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🏠 Free Tool · Offset + Extra Repayments

Mortgage Repayment
Calculator

Calculate your exact monthly repayments, total interest over the loan term, how much an offset account saves you, and what extra repayments do to your loan timeline. Real numbers, real savings.

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Current variable rates ~5.79–6.29% (April 2026)
Average balance in your offset account
How much you add to offset each month
Above-minimum repayments each month
e.g. annual bonus applied to loan each year

Enter a lower rate to see how much you'd save by refinancing.

Best available rate for your profile (ask John)
Monthly Repayment
Total Interest (no offset)
Total Amount Repaid

Switching from monthly to fortnightly repayments means you make 26 half-payments per year — equivalent to 13 monthly payments instead of 12. That one extra payment per year can save years off your loan and tens of thousands in interest.

ScenarioRateMonthly Paymentvs Current

You could be paying less.

John compares 50+ lenders to find your most competitive rate. Even 0.5% lower on a $750,000 loan saves $3,750 per year. Free rate comparison — no credit check, no obligation.

About Refinancing

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Calculations are estimates based on the inputs provided. Actual repayments may vary based on lender calculation methods, fee structures, and loan features. Offset savings assume the offset balance is available throughout the loan term. Fortnightly and weekly calculations use equivalent monthly rate conversion. This is not financial advice. Lend & Loan (ACL 511092) provides credit assistance only.
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