USEFUL NUMBERS, CLEARLY EXPLAINED

Explore your scenario.

Change the figures to estimate repayments, understand equity and compare a possible refinance. These are starting points, not borrowing assessments.

Repayment estimate

Loan amount (AUD)

Interest rate (% p.a.)

Loan term (years)

Estimated monthly repayment$3,792

Principal and interest. Estimated interest over this term: $765,267.

Illustrative only. This result is not a quote, loan offer or assessment of borrowing capacity. Lender assessment and criteria apply.

Equity & LVR

Estimated property value (AUD)

Current loan balance (AUD)

Estimated property equity$380,000

Estimated loan-to-value ratio: 57.8%. Property equity is not the amount you can automatically borrow; lender limits, costs and your circumstances matter.

Illustrative only. This result is not a quote, loan offer or assessment of borrowing capacity. Lender assessment and criteria apply.

Refinance comparison

Uses the current balance above. Both repayments use the same remaining term, so the rate difference is easier to compare.

Current interest rate (% p.a.)

Proposed interest rate (% p.a.)

Remaining loan term (years)

Estimated switching costs (AUD)

Estimated monthly saving$192

Current: $3,511/month · Proposed: $3,319/month. Check fees, features and total cost before deciding.

Illustrative only. This result is not a quote, loan offer or assessment of borrowing capacity. Lender assessment and criteria apply.

READY FOR THE FULL PICTURE?

Want to know how this looks with an actual lender?

Jimmy can review the income, commitments, lender policy, fees and structure that these estimates cannot assess.

Talk through my numbers

Illustrative principal-and-interest calculations only. The refinance comparison holds balance and remaining term constant and excludes rate changes over time, ongoing fees, lender charges and tax effects. Figures are not a quote, loan offer or assessment of borrowing capacity.