Source: MoneySmart
Open the original Mortgage calculator on MoneySmart
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Mortgage calculator.
Three home-loan answers in one quiet flow: repayments, borrowing power, and how fast you could clear the loan.
Average interest rate helper
Based on the local MoneySmart mortgage reference data already mirrored into this project.
Average interest rate
5.66%
Average rates snapshot: March 2026
How much will my repayments be?
Estimate the ongoing repayment for a target mortgage amount, term, rate and fee profile.
How much can I borrow?
Estimate the maximum principal a repayment budget can support after the selected fees are applied.
How can I repay my home loan sooner?
Estimate payoff time from the current balance, repayment amount and rate profile.
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