Home loan repayment calculator
A month’s repayment, principal and interest, and what extra repayments or an offset save.
Add an extra repayment or a balance in an offset to see what it saves.
Today’s lowest rates for this loan
Each lender’s lowest rate for $600,000 over 30 years, ranked as the leaderboards rank: variable on the comparison rate, which counts fees.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Ranked on the figures you entered. Not a recommendation: it doesn’t consider your objectives, financial situation or needs.
Every lender’s variable rate beside its own 1–5 year fixed rates, and the gap a month.
Whether money earns more in savings after tax or saves more in an offset.
Where each repayment goes, and why it’s mostly interest at first. Four minutes.
Repayments are monthly, principal and interest, at the rate entered, held for the whole term; fees aren’t added. Extra repayments and the offset are worked a month at a time from the start, the repayment unchanged. As of 7 November 2026, for an owner-occupier borrowing $600,000 with a 20% deposit over 30 years, repaying principal and interest, the repayment at the lowest variable rate is $3,651 a month, at Unloan’s 6.14% (comparison rate 6.05%*). Compare home loans ·