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Mortgage repayment calculator

$
6.14%
Estimated monthly repayment
$3,955/mo
Total interest
$774,101
Total repaid
$1,424,101
Quick read: Over 30 years you'll repay about 2.19× what you borrow. Dropping to 25 years adds ~$262/mo but saves roughly $142k in interest.
This is an estimate only and does not constitute financial or tax advice. Actual repayments depend on your lender, fees, and features like offset accounts. Always confirm with a qualified professional.

The rate you're quoted moves this number more than anything else. Comparison rate, loan term, offset and LMI all change the real cost — work out which levers matter for your situation before you talk to a lender.

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