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Finance Australia Home Loan Repayment Calculator

Calculate home loan repayments with our Home Loan Repayment Calculator. View detailed amortization charts, compare loan terms, and plan your mortgage with confidence.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Home Loan Details:

Remember to make allowance for stamp duty, rates, insurance or other costs to be included in the loan where applicable.
Enter whole numbers only please, no dots, commas etc.

If you have a deposit or equity in an existing property, include the amount here
Enter whole numbers only please, no dots, commas etc.

(if applicable)
Select the number of years over which you would repay the loan.

A longer Loan Term will mean lower monthly repayments but at a higher cost overall.

The options below are indicative of what lenders currently offer.

Years
Select an interest rate for the calculator simulation.
The range of rates listed below are representative of those currently available.

Your actual rate can only be confirmed after you apply.


% per Annum
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Home Loan Repayment Calculator

Important!

Home Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Home Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

Home Loan Repayment CalculatorHome Loan Repayment Calculator

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CBA's Q1 2025 Profit: A Delicate Balance Between Growth and Margin Pressures
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Commonwealth Bank of Australia (CBA), the nation's largest bank by market value, has reported a modest increase in its first-quarter cash profit for 2025. This uptick is primarily attributed to robust growth in home loans and household deposits. The unaudited cash profit stands at approximately A$2.6 billion, marking a 1% rise from the previous two-quarter average and a 2% increase compared to the same period last year. - read more
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Australia's leading banks—Commonwealth Bank of Australia (CBA), Westpac, National Australia Bank (NAB), and ANZ—are actively reducing their dependence on mortgage brokers. This strategic shift aims to bolster profit margins that have been under pressure due to lower interest rates, rising operational costs, and intense market competition. - read more
Renewed Optimism: Australian Consumer Confidence on the Rise
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In November 2025, Australian consumer sentiment has turned optimistic for the first time since early 2022, marking a significant shift in public economic perception. The Westpac-Melbourne Institute survey indicates a 12.8% increase in the consumer sentiment index, reaching 103.8. A reading above 100 suggests that more consumers are optimistic than pessimistic. - read more
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Knowledgebase
Debt-to-Equity Ratio:
A measure of a company’s financial leverage, calculated by dividing its total liabilities by stockholders’ equity.

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