compare home loan interest rates calculator to plan your repayments

Why a calculator matters

When rates shift by even a fraction, long‑term repayments can change dramatically. A smart tool helps you test scenarios, compare lenders, and see the true cost after fees, offsets, and redraws. Use it to balance rate, term, and flexibility rather than chasing the lowest headline.

How to get started

Gather your loan amount, deposit, loan term, and your best guess at variable and fixed offers. Then plug them into the calculator to contrast monthly and total interest, and to see break‑even points if you plan to refinance.

Tips for accurate results

• Include ongoing fees and introductory discounts, not just the advertised rate.
• Test a stress rate 1–2% higher to build a safety margin.
• Model extra repayments and an offset balance to estimate interest saved.
• Compare fixed, variable, and split structures side by side.
• Record scenarios so you can revisit after lender pre‑approval.

Finally, review assumptions regularly. Rates move, goals evolve, and your calculator should reflect both-helping you build a repayment plan you can actually live with.