How much will your home loan really cost you?

Our easy home loan calculator does the math for you, so you can focus on repayments.

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Richard Whitten

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1 - 20 of 5219
Updated regularly
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Qantas Money Fixed Home Loan
Qantas Money logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
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Qantas Money logo
Qantas Money Fixed Home Loan
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
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Product NameQantas Money Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.84%
Comp. Rate p.a.5.94%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Interest Rate
5.84%
Comparison Rate
5.94%
Fees
Application: $345
Ongoing: $0 p.a.
Monthly Payment
$2,950
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More Info		 Earn 100,000 Qantas Points for every year of the loan. Plus for a limited time on loans of $400k or more, receive up to 200,000 Qantas Points in your first year. Apply before 10 May 2025. Terms, conditions and eligibility apply.
Greater Bank Great Rate Discount Variable Home Loan
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
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Greater Bank logo
Greater Bank Great Rate Discount Variable Home Loan
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
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Product NameGreater Bank Great Rate Discount Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.84%
Comp. Rate p.a.5.85%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 110%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.84%
Comparison Rate
5.85%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,950
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More Info		Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
G&C Mutual Bank Fixed Rate Home Loan
G&C Mutual Bank logo
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
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G&C Mutual Bank logo
G&C Mutual Bank Fixed Rate Home Loan
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
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Product NameG&C Mutual Bank Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.50%
Comp. Rate p.a.5.56%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Up to $10,000 per annum
Interest Rate
5.50%
Comparison Rate
5.56%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$2,843
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More Info
P&N Bank & Basic Home Loan
P&N Bank logo
Principal & InterestInterest only40% min. depositOwner-occupier
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P&N Bank logo
P&N Bank & Basic Home Loan
Principal & InterestInterest only40% min. depositOwner-occupier
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Product NameP&N Bank & Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.88%
Comp. Rate p.a.5.91%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 60%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.88%
Comparison Rate
5.91%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,963
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More Info		 This is a competitive, low-fee interest-only loan for borrowers with 40% deposits.
Macquarie Bank Basic Fixed Home Loan
Macquarie Bank logo
Principal & Interest 2Y Fixed30% min. depositOwner-occupier
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Macquarie Bank logo
Macquarie Bank Basic Fixed Home Loan
Principal & Interest 2Y Fixed30% min. depositOwner-occupier
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Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.55%
Comp. Rate p.a.5.85%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Interest Rate
5.55%
Comparison Rate
5.85%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,858
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More Info
Unloan Variable Home Loan
Unloan logo
Principal & Interest20% min. depositOwner-occupier
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Unloan logo
Unloan Variable Home Loan
Principal & Interest20% min. depositOwner-occupier
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Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.5.65%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.74%
Comparison Rate
5.65%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,918
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More Info
loans.com.au Solar Home Loan
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
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loans.com.au logo
loans.com.au Solar Home Loan
Principal & Interest10% min. depositOwner-occupierOffset account
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Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.6.19%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
5.74%
Comparison Rate
6.19%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,918
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More Info
loans.com.au Solar Home Loan
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
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loans.com.au logo
loans.com.au Solar Home Loan
Principal & Interest10% min. depositInvestmentOffset account
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Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.6.28%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
5.94%
Comparison Rate
6.28%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,982
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More Info
ANZ Plus Home Loan Variable Rate
ANZ logo
Principal & Interest20% min. depositOwner-occupierOffset account
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ANZ logo
ANZ Plus Home Loan Variable Rate
Principal & Interest20% min. depositOwner-occupierOffset account
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Product NameANZ Plus Home Loan Variable Rate
Interest Rate TypeVariable
Repayment Type Principal & Interest
Interest Rate p.a.5.84%
Comp. Rate p.a.5.85%
Minimum Loan Amount$10,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.84%
Comparison Rate
5.85%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,950
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More Info		$2,000 cashback
Borrowers refinancing $250k or more to ANZ Plus before 31st March 2025 could get a cashback of $2,000. Excl. refinancers from ANZ or Suncorp. Other terms and conditions apply.
Unloan Variable Home Loan
Unloan logo
Principal & Interest20% min. depositInvestment
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Unloan logo
Unloan Variable Home Loan
Principal & Interest20% min. depositInvestment
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Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.5.95%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
6.04%
Comparison Rate
5.95%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,014
Go to site
More Info
Bendigo Bank Express Fixed Home Loan
Bendigo Bank logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupierOffset account
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Bendigo Bank logo
Bendigo Bank Express Fixed Home Loan
Principal & Interest 2Y Fixed10% min. depositOwner-occupierOffset account
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Product NameBendigo Bank Express Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.5.95%
Minimum Loan Amount$5,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.74%
Comparison Rate
5.95%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,918
Go to site
More Info		 Homebuyers can lock in this fixed rate for 2 years with minimal fees and a 100% offset account.
G&C Mutual Bank Momentum Home Loan
G&C Mutual Bank logo
Principal & Interest40% min. depositOwner-occupierOffset account
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G&C Mutual Bank logo
G&C Mutual Bank Momentum Home Loan
Principal & Interest40% min. depositOwner-occupierOffset account
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Product NameG&C Mutual Bank Momentum Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.5.79%
Minimum Loan Amount$100,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.74%
Comparison Rate
5.79%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,918
Go to site
More Info
G&C Mutual Bank First Home Buyer
G&C Mutual Bank logo
Principal & Interest5% min. depositOwner-occupierOffset account
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G&C Mutual Bank logo
G&C Mutual Bank First Home Buyer
Principal & Interest5% min. depositOwner-occupierOffset account
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Product NameG&C Mutual Bank First Home Buyer
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.5.79%
Minimum Loan Amount$0
Maximum Loan Amount $5,000,000
Maximum Loan Term40 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.74%
Comparison Rate
5.79%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,918
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More Info
loans.com.au Variable Home Loan
loans.com.au logo
Principal & Interest10% min. depositOwner-occupierOffset account
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loans.com.au logo
loans.com.au Variable Home Loan
Principal & Interest10% min. depositOwner-occupierOffset account
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Product Nameloans.com.au Variable Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.79%
Comp. Rate p.a.5.83%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Interest Rate
5.79%
Comparison Rate
5.83%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,934
Go to site
More Info
Qantas Money Variable Home Loan
Qantas Money logo
Interest only10% min. depositInvestment
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Qantas Money logo
Qantas Money Variable Home Loan
Interest only10% min. depositInvestment
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Product NameQantas Money Variable Home Loan
Interest Rate Typevariable
Repayment Type Interest Only
Interest Rate p.a.6.34%
Comp. Rate p.a.6.26%
Minimum Loan Amount$300,000
Maximum Loan Amount $3,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Interest Rate
6.34%
Comparison Rate
6.26%
Fees
Application: $345
Ongoing: $0 per month
Monthly Payment
$3,111
Go to site
More Info		 Earn 100,000 Qantas Points for every year of the loan. Plus for a limited time on loans of $400k or more, receive up to 200,000 Qantas Points in your first year. Apply before 10 May 2025. Terms, conditions and eligibility apply.
People's Choice Credit Union Basic Variable
People's Choice Credit Union logo
Principal & Interest30% min. depositOwner-occupierNT, VIC & SA only
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People's Choice Credit Union logo
People's Choice Credit Union Basic Variable
Principal & Interest30% min. depositOwner-occupierNT, VIC & SA only
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Product NamePeople's Choice Credit Union Basic Variable
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.64%
Comp. Rate p.a.5.65%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.64%
Comparison Rate
5.65%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,887
Go to site
More Info
IMB Fixed Rate Home Loan
IMB logo
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
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IMB logo
IMB Fixed Rate Home Loan
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
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Product NameIMB Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.6%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan Portable
Extra Repayments Yes
Interest Rate
5.69%
Comparison Rate
6%
Fees
Application: $449
Ongoing: $6 per month
Monthly Payment
$2,902
Go to site
More Info		Up to $4K cashback
Eligible borrowers can get up to $4,000 cashback when buying or refinancing with IMB. Loan value criteria applies. Other terms and conditions also apply.
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You can use the calculator table below to figure out what your repayment would be across products from some of the best lenders in Australia.

Your home loan details

Loan amount
$
Term
Repayment type
Interest rate
%
Interest only period
Payment frequency
Extra monthly repayments
$

Overview of your loan

Once the interest only period ends, your estimated repayments will be
(including extra )
Total loan repayments:
Total interest payable:
Compare home loans
By making extra monthly repayments of
Your loan term could reduce by:
You could pay less interest, saving:
see as a table
Years remaining Principal remaining
Calculator Assumptions: The above calculations are worked out assuming you’re paying off a principal and interest or interest only home loan where the interest rate remains the same over the life of the loan. The repayment amounts do not take into account any additional fees or charges that may be charged to your loan (e.g. application fees or lenders' mortgage insurance premiums).
Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. They are neither a quote nor a pre-qualification for a loan.
Richard Whitten's headshot
Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 591 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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