Interest rate
Use an indicative annual rate from your own research. A lender-specific rate depends on assessment.
Estimate repayments and compare the total cost.
Use your own indicative rate to explore how amount, term and a balloon may affect scheduled repayments. The calculator does not display live lender rates and does not provide a quote or approval.
Adjust the estimate
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Read the result carefully
A repayment is one part of the decision.
Use the estimate to test scenarios, then compare lender fees, conditions, early-repayment treatment and the amount still owing at the end of the term.
Total repayments
The total includes scheduled repayments and the balloon, but excludes lender and third-party fees.
Balloon payment
A balloon may reduce regular repayments while leaving a larger final obligation and changing total interest.