Buyer Tools
Mortgage Repayment Calculator
Estimate your home loan repayments — weekly, fortnightly and monthly — along with total interest and your loan-to-value ratio. A planning guide, not financial advice.
Estimated repayment
$3,636 /mo
Fortnightly
$1,678
Weekly
$839
Estimate only, assuming principal-and-interest repayments at a constant rate. Excludes fees, offset arrangements and rate changes. Marshall SA is not a licensed credit adviser — confirm figures with a mortgage broker or lender.
Buying With Confidence
Understanding your repayments before you buy
Knowing what a property will actually cost you each month — not just the purchase price — is the foundation of a sound buying decision.
The purchase price is only half the story. What determines whether a property is genuinely affordable for you is the repayment — the amount that leaves your account every month for the next few decades. A calculator like this one lets you test that number against your budget before you fall in love with a home, which is exactly the right order to do it in.
Two levers move your repayment most: the interest rate and the loan term. A longer term lowers the monthly repayment but increases the total interest you pay over the life of the loan — often by a very large amount. A higher rate does the opposite to your monthly figure. It's worth testing a rate one or two per cent above today's to see how much headroom you'd have if rates moved, because over a thirty-year loan, they will move.
Pair this with our SA stamp duty calculator to build a realistic picture of your total upfront and ongoing costs. When you're ready to talk property — buying or selling — we're here with grounded, local advice.
Common questions
- How are mortgage repayments calculated?
- Repayments are worked out from three things: the loan amount, the interest rate, and the loan term. The calculator uses the standard amortising formula — the same one lenders use — to spread the loan plus interest evenly across the term as principal-and-interest repayments.
- What is LVR and why does it matter?
- LVR (loan-to-value ratio) is your loan as a percentage of the property's value. Above 80% LVR, lenders generally require Lenders Mortgage Insurance (LMI), an extra cost. The calculator flags when your inputs push LVR above 80%.
- What interest rate should I use?
- Use a rate close to what lenders are currently offering for your situation, then test a rate one to two per cent higher to see how repayments would change if rates rose. A mortgage broker can give you an accurate rate for your circumstances.
- Is this financial advice?
- No. This is an estimate tool to help you plan. Marshall SA is a real estate agency, not a licensed credit or financial adviser — speak to a mortgage broker or your bank for advice tailored to you.
Thinking About Your Next Move?
Find out what your property could achieve
Whether you're buying, selling or investing, a no-obligation appraisal is a grounded first step.