Repayment Calculator | Multi Scenario

Compare up to nine mortgage structures with flexible repayment frequencies, principal and interest or interest-only repayments, intro and fixed rates, extra repayments, lump sums, offsets, and ongoing fees. Review side-by-side results, an interactive mortgage-balance graph, detailed payment schedules, copyable results, and downloadable comparison and selected-summary PDF reports.

Mortgage Repayment Calculator for Comparing Home Mortgage Scenarios

Whether you are reviewing a new home mortgage, refinancing an existing mortgage, or weighing up repayment strategies, this calculator gives you a practical way to model repayment outcomes before you speak with a lender or broker. The results are designed for planning and comparison only, but they can help you understand how mortgage repayments may move when rates, fees, offsets, extra payments, and lump sums change.

This mortgage repayment calculator helps you compare up to nine mortgage options side by side, including the mortgage amount, rate, term, repayment frequency, ongoing yearly fees, monthly fees, extra repayments, lump sums, and a starting offset balance. Use the calculator to test how a different mortgage structure may change your regular repayment, total interest, total fees, mortgage term, and estimated saving compared with Scenario 1.

Results

Amount Rate % Repayment FREQ Term Saving

Mortgage Balances Over Time

Payment Summary

Period Balance Interest Repayment Fees Offset Lump Sum Additional End Balance

Assumptions: Yearly and monthly ongoing fees are spread across the selected repayment frequency and added to cash outflow, not principal. Starting offset reduces interest charged but does not reduce the mortgage balance or scheduled repayment.

Calculations are estimates only. Payment timing, lender rounding, compounding rules, and fee handling may differ from a lender quote.