AU Home Loan Repayment Calculator
Calculate your monthly mortgage repayments, see your LVR, estimate offset account savings, and understand stamp duty obligations across Australian states.
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Understanding Australian Home Loan Calculations
Our calculator uses the standard amortisation formula to compute your monthly repayments. The LVR calculation helps you understand whether Lenders Mortgage Insurance may apply, and the offset simulator shows how maintaining savings can reduce your interest costs over time.
What This Calculator Shows
- Monthly repayment amount (P&I or Interest Only)
- Loan-to-Value Ratio (LVR) with LMI warning
- Total interest paid over the loan term
- Offset account savings estimate
- 12-month amortisation schedule
- Stamp duty guidance by state
Key Australian Home Loan Terms
- LVR: Loan-to-Value Ratio — your loan as a percentage of the property value
- LMI: Lenders Mortgage Insurance — required if LVR exceeds 80%
- Offset: A linked transaction account that reduces your loan interest
- Comparison Rate: ASIC-mandated rate including fees for true cost comparison
- APRA: Australian Prudential Regulation Authority — supervises banks
- P&I vs IO: Principal & Interest (build equity) vs Interest Only (lower repayments)
Your Privacy Matters
This calculator runs entirely in your browser. No personal or financial information is collected, stored, or transmitted. Your data stays on your device.
Disclaimer: This calculator provides estimates only and should not be considered financial advice. Actual rates, fees, LMI costs, and stamp duty vary by lender and state. Always confirm figures directly with your chosen lender before making borrowing decisions. SmartFinPro provides general financial information — we recommend consulting a licensed financial adviser for personal advice. All Australian lenders referenced are APRA-regulated or hold appropriate ASIC licences.
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