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Home loan calculator

Important Information: Our calculators and Key Facts Sheets are being updated and are temporarily unavailable for fixed rate investment home loans. If you use the calculators or generate a Key Facts Sheet using this site for a fixed rate loan, the rate shown will be for owner-occupied loans only. The rates for fixed rate investment home loans may be higher. Our investment home loan fixed rates can be accessed in our Summary of Interest Rates. If you would like to have a Key Fact Sheet generated for fixed rate investment home loans, please call us on 13 2224.

Our home loan calculators offer insight into how much you might be able to borrow and what your repayments would be. Start calculating now by filling in the fields or if you want to, generate a Key Fact Sheet. Instructions on how to generate a Key Fact Sheet are below.

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Did you know?

By making fortnightly or weekly repayments instead of monthly, you can save on interest and pay off your mortgage sooner.

If you choose fortnightly repayments, you’ll pay half of your monthly repayments each fortnight. As there are 26 fortnights every year, this is equivalent to making an extra month’s repayment each year. This means you’ll build equity in your home more quickly, plus pay off your loan sooner and save on interest.

More home buying calculators and tools

Estimate the total cost associated with buying a property, taking into consideration government costs, stamp duty, establishment fees and other financing costs, such as conveyancing fees.

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With our home loan comparison calculator, compare two different home loan options by adjusting variables such as interest rates and loan term. You can also select the Wealth Package option for one loan to see how much you could save.

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Discover how much you can afford to commit to mortgage repayments for your home loan by determining your budget based on household and lifestyle expenses.

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Key Fact Sheet
You may request a personalised Key Fact Sheet to help you compare and select the most appropriate loan for you. To generate a Key Fact Sheet, complete the loan amount, loan term and the interest rate for the type of loan. You will also be able to select whether you wish to take out a Wealth Package. You then click ‘Generate Key Fact Sheet’. When you click on this link your Key Fact Sheet will be generated which you can download and print. The Key Fact Sheet is available for variable, fixed rate and honeymoon rate loans, as well as loans in the Wealth Package. However it is not available for interest only and interest in advance loan options, Viridian Line of Credit or Equity Unlock for Senior’s loans.

Please note that the Key Fact Sheet will only display the advertised headline rate for a product or package, and repayment frequency is automatically set at monthly, although other repayment options are available.

What you need to know
The home loan calculators are intended as a guide only based on the information you input. The results should not be considered approval for a loan. To find out your repayments you should speak to us. The repayment amounts and total interest calculations are estimates that assume that interest rates do not change over the term of the loan and exclude any fees and charges that may be charged to your loan, for example, upfront establishment fee, monthly loan service fee and Lenders Mortgage Insurance/Low Deposit Premium which, if they apply, will add to the cost of loan. The amount you could save and the time in which you could pay off your loan by making weekly repayments are estimates compared to repayments made monthly and assume you make the required weekly repayments until the loan is repaid. Other fees and charges also apply. Conditions apply to all loan options. Interest rates and repayment amounts are subject to change. Applications for a home loan are subject to approval and satisfactory security. Full terms and conditions will be in our loan offer.

Loan Protection Insurance
The Loan Protection premium estimate generated by the ‘what would my repayments be’ calculator is based on the information you’ve provided. The calculator does not provide you a binding quote or an application for cover. When you apply for insurance, the actual price may differ. Any information provided has been prepared without considering your objectives, financial situation or needs. Before acting on this information, consider its appropriateness to your circumstances. Loan Protection insurance is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035(CMLA) a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 (the Bank). The Bank does not guarantee the products provided by CMLA. A Product Disclosure Statement is available online, from any Commonwealth Bank branch or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered when making any decision about Loan Protection. You can also download the Banks Financial Services Guide (FSG).

Comparison Rate
The comparison rate is calculated on the basis of a $150,000 secured loan over a 25-year term.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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