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How much is my mortgage repayment?

Mortgage repayment can be a daunting prospect, but understanding the amount you need to pay and calculating your repayment is essential to knowing your financial position. Knowing how much you need to pay on your mortgage each month can help you make important decisions about how to budget and save for the future.

How much is my mortgage repayment?
Calculating your mortgage repayment can be a simple process if you have the right information. With the help of an online calculator, you can quickly and easily determine how much your monthly mortgage repayment will be.
Principle & interest
Interest Only
Your Weekly repayment is
$ 0
total repayment
interest paid
How much you can save with extra repayment?
years saved
$interest saved
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calculator disclaimer
About this calculator
The results from this loan calculator are intended to be used as an estimation and should not be taken as a definite indication of the actual repayment amount or as a pre-qualification for any loan product. The Smart Mortgage Calculators provide an estimation of the loan repayment amount based on the details entered such as loan amount, interest rate, repayment frequency, and loan term.
  • Length of Month - It is assumed that every month has the equal number of days.
  • The amount of weeks and fortnights in a year is 52 and 26 respectively.
  • Amounts that have been calculated in dollars are adjusted to the closest whole cent.

  • The actual calculations used by lenders when determining loan repayments may vary depending on how they interpret each factor. We use a two-week period to calculate fortnightly repayments, while some lenders might prefer a half-month payment option, which would be more expensive. Our estimates of repayment amounts are designed to assist you in your research.
    What our customer says about us
    What our customer says about us
    I have been with Ivy for 10 years. Ivy always exceeds my expectation and makes me feel my needs are a priority. Her professionalism and knowledge are of an extremely high standard and the communication and efficiency throughout the whole process was above and beyond. More than happy with the service from Ivy and Smart Mortgage and would not hesitate to recommend their services to others.
    Yin Zhu
    Onsite Manager of Rosewood Heights
    My family uses Smart Mortgage to assist with the purchase of our home, investment, properties and commercial lending. Ben Ou, the Manager Director and his team are very experience and have always made our loan processes easy. I would highly recommend Smart Mortgage to my friends and clients who require finance for their properties. I am confident that the Smart Mortgage’s team will look after the customer’s best interests.
    Simon Au
    RE/MAX Number 1 Sales Team
    Having worked with Angela for over 10 years, she has always been very professional and always puts my needs and interests first. Her work ethic is excellent and I trust in her abilities to always provide me with honest advice to help me reach my financial goals. My husband and I have several home and commercial properties with Smart Mortgage and I would highly recommend them to anyone who is looking for a company who truly puts your interests first.
    Anh Pham
    Manager at Queensland Soy Factory
    I have dealt with Smart Mortgage for many years. There have been a few properties I have bought and sold over this period. Angela Duong is the person I have dealt with for my home loans. I have known Angela for over 10 years and have always found her and the staff at Smart Mortgage to provide outstanding services. Buying and selling houses are some of the most stressful things a person can go through in life. Knowing that Smart Mortgage are very professional and committed to the complete process from start to finish is a great relief.
    Anne Poulton
    Property Buyer