Calculate your home loan repayment
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Savings.com.au Pty Ltd ACN 161 358 363 | Australian Financial Services Licence and Australian Credit Licence 515843
Home loan comparison
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| Variable | More details | ||||||||||||
| FEATURED | loans.com.au – Variable Home Loan P&I <90%
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Disclosure | |||||||||||||
loans.com.au – Variable Home Loan P&I <90%
Disclosure
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| Variable | More details | ||||||||||||
| FEATUREDBuilt and funded by CommBank | Unloan – Variable Rate Home Loan LVR < 80%
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Disclosure | |||||||||||||
Unloan – Variable Rate Home Loan LVR < 80%
Disclosure
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| Variable | More details | ||||||||||||
| FEATUREDUp to $2k cashback (T&Cs apply) | Regional Australia Bank – Home Loan without Offset (Owner Occupier, Principal and Interest, max lvr 60%)
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Disclosure | |||||||||||||
Regional Australia Bank – Home Loan without Offset (Owner Occupier, Principal and Interest, max lvr 60%)
Disclosure
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| Variable | More details | ||||||||||||
| FEATURED100% offset | Ubank – Flex variable home loan - 100% offset
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Ubank – Flex variable home loan - 100% offset
Disclosure
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| Variable | More details | ||||||||||||
Macquarie Bank – Offset Home Loan (Variable, Owner Occupier, Principal and Interest, max LVR 60%)
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Disclosure | |||||||||||||
Macquarie Bank – Offset Home Loan (Variable, Owner Occupier, Principal and Interest, max LVR 60%)
Disclosure
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| Variable | More details | ||||||||||||
IMB Bank – Budget Home Loan (Owner, Occupier, Principal and Interest, LVR 90%-95%) | |||||||||||||
| Variable | More details | ||||||||||||
Disclosure | |||||||||||||
Ubank – Neat home loan - max. 60% LVR (Owner occupied, Principal and interest)Disclosure
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| Variable | More details | ||||||||||||
ME – CompleteME Home Loan - LVR 60% to 80% - $150,000 to $400,000 | |||||||||||||
| Variable | More details | ||||||||||||
Disclosure | |||||||||||||
Macquarie Bank – Offset Home Loan (Variable, Owner Occupier, Principal and Interest, max LVR 70%)Disclosure
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| Variable | More details | ||||||||||||
ING – Orange Advantage (OO, P&I, $150k+, LVR >=90% - <95%) | |||||||||||||
| Variable | More details | ||||||||||||
Heritage Bank – Home Advantage Variable (Owner Occupier, Principal and Interest, $150,000 to $249,999 ,lvr 80%-90%) | |||||||||||||
| Variable | More details | ||||||||||||
Qudos Bank – Qantas Points Home Loan (Owner Occupied) (PI) (LVR <80%) 10-20% | |||||||||||||
| Variable | More details | ||||||||||||
P&N Bank – Basic Variable Home Loan (Owner Occupier, Principal and Interest, max LVR 95%) | |||||||||||||
| Variable | More details | ||||||||||||
Great Southern Bank – Offset Variable Home Loan (Owner Occupier, Principal & Interest, LVR 80% - 90%) | |||||||||||||
| Variable | More details | ||||||||||||
Disclosure | |||||||||||||
NAB – Tailored Home Loan (Variable, Owner Occupier, Principal & Interest, max lvr 60%)Disclosure
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| Variable | More details | ||||||||||||
Disclosure | |||||||||||||
Ubank – Neat home loan - max. 80% LVR (Owner occupied, Principal and interest)Disclosure
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| Variable | More details | ||||||||||||
Disclosure | |||||||||||||
Macquarie Bank – Offset Home Loan (Variable, Owner Occupier, Principal and Interest, max LVR 80%)Disclosure
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| Variable | More details | ||||||||||||
| FEATURED | loans.com.au – Variable Home Loan with Offset P&I <90%
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Disclosure | |||||||||||||
loans.com.au – Variable Home Loan with Offset P&I <90%
Disclosure
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| Variable | More details | ||||||||||||
AMP – Essential Home Loan (Owner Occupied, Principal and Interest, $250,000+ <= LVR 90%) | |||||||||||||
| Variable | N/A | N/A | More details | ||||||||||
Disclosure | |||||||||||||
Westpac – Flexi First Option Home Loan (Principal & Interest LVR 70-80%)Disclosure
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- Available for purchase or refinance, min 10% deposit needed to qualify.
- No application, ongoing monthly or annual fees.
- Quick and easy online application process.
Calculator Assumptions: Mortgage Calculator
The figures provided should be used as an estimate only, should not be relied on as true indication of your home loan repayments, or a quote or indication of pre-qualification for any home loan product. The figures are based upon the information you put into the calculator. We have made a number of assumptions when producing the calculations including:
- Loan term and loan amount: We assume the loan term and loan amount are what you enter into the calculator.
- Interest rates: We assume that the rate you enter, is the rate that will apply to your loan for the full loan term – even if you choose:
- a variable rate; or
- an interest only rate which, in practice, will only apply for a limited period after which a different rate will apply.
- Interest and repayments: The displayed total interest payable is the interest for the loan term, calculated on the entered interest rate. We make the following assumptions about repayments:
- repayments are made monthly.
- your annual interest charge is divided equally over 12 monthly payments (in practice, interest is calculated daily and charged monthly which can lead to your interest charge varying between months).
- interest is charged to the loan account at the same frequency and on the same day as the repayments are made (this may not be the case in practice).
- only your initial repayment amount is calculated. We assume that this repayment amount is payable for the loan term. In practice, repayment amounts can change for a variety of reasons.
- weekly and fortnightly loan repayment amounts are assumed to be a quarter and a half of the monthly repayment amount respectively.
if added, your extra repayment is taken to be made at the same time as your monthly repayment.
Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to made on variables as selected and input by the user. All products will list the LVR with the product and rate which are clearly published on the Product Provider’s web site. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. Rates correct as of 5 June 2025.
^The addition of offset sub-account means your comparison rate will change.
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Savings.com.au
Savings.com.au Pty Ltd ACN 161 358 363 | Australian Financial Services Licence and Australian Credit Licence 515843