Calculators

Run the numbers yourself

A calculator is arithmetic. Handy for sizing up a decision, useless for making one, so I’ve put the assumptions next to the answer instead of underneath it.

Estimate a repayment

Put in an amount, a term and a rate, and this tells you what the repayment would be at those numbers. It’s arithmetic, not an assessment. It knows nothing about your income, your commitments or any lender’s policy.

Repayment estimator

Pick an amount, a term and a rate, and see what the repayment comes to.

Loan Amount

$100,000$15M

Loan Term (Years)

30 years

5 years30 years

Interest Rate

4%9%

What it can’t tell you

Whether a lender would actually advance that amount. Borrowing capacity is a separate calculation, and it’s the one that decides the answer.
What rate you’d be offered. The rate here is one you typed in, not one anybody has quoted you.
What the loan costs. Establishment fees, ongoing fees, lender’s mortgage insurance and break costs all sit outside this figure. A comparison rate picks up some of them, and I’ll give you one for any option I put in front of you.

Get the number that actually decides it

Where to next

A repayment figure is the easy number. These pages cover the ones that actually decide the file.