Remaining balance calculator

Use this calculator if you want to calculate the remaining balance of your home loan.

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Our current interest rates

Lender Product Annual Interest
Rate % p.a.
Comparison
Rate % p.a.
Home Package Plus SP 1 Year Fixed Rate OO LVR > 80% <= 90% ($150k +) (1 Year Fixed) 3.69% 4.47%
First Home Buyers Special 2 Year Choice Fixed Rate OO P&I (2 Year Fixed) 3.69% 5.38%
Premium Package Fixed Rate OO P&I Only (1 Year Fixed) 3.73% 4.78%
Premium Package Fixed Rate OO P&I Only (2 Year Fixed) 3.83% 4.72%
Fixed Rate Home Loan OO (2 Year Fixed) 3.84% 4.71%
Lender Product Annual Interest
Rate % p.a.
Comparison
Rate % p.a.
Basic Variable Rate OO LVR <= 80% ($150k +) P&I Only 3.79% 3.81%
Pro Pack Special SVR OO ($250k to $749k) LVR =<80% P&I 3.79% 4.16%
Premium Plus SP OO ($150k+) P&I 3.84% 4.24%
Premium Package SP OO LVR <= 80% P&I Only 3.85% 4.15%
Plus Home Loan OO LVR <= 80% ($150k +) P&I Only 3.86% 3.88%
Credit criteria, conditions, fees and charges apply. Subject to suitability. The comparison rates in this table are based on a loan amount of $150,000 and a term of 25 years. 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 costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

Our other calculators

How much can I borrow?

Calculate your borrowing power based on your salary and financial commitments.

Calculate borrowing power

Home loan repayments

Work out your minimum weekly, fortnightly or monthly home loan repayments.

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Stamp duty

Find out the stamp duty payable on your property purchase in your state or territory.

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Compare home loans

Compare loans from different lenders based on interest rates, loan terms, fees & more.

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How long to repay?

Work out how long it will take you to repay your home loan.

Calculate how long to repay

LVR Calculator

Your Loan to Value Ratio (LVR) determines the amount a lender will loan to you.

Calculate LVR

Lump sum payments

How much time and interest can you save by paying a lump sum off your home loan?

Lump sum payments calculator

Split loan repayments

Calculate the potential impact of splitting your home loan into fixed and variable rate portions.

Calculate split loan repayments

Achieve savings target

See how much you need to save weekly, fortnightly or monthly to achieve your target.

Savings calculator

Reverse Mortgage Calculator

Calculate your monthly repayments on a reverse mortgage.

Reverse Mortgage Calculator

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How much more do you have to pay off your home loan?

Want to know how far you’ve come through the mortgage process? Or know how many years are ahead of you? This simple calculator will help you to evaluate your progress through the years of your home loan.

By taking into account the amount you borrowed, the interest rate and your repayments, you can work out the total amount you will repay for your loan and the remaining balance after a certain number of years.

Knowing how much of your mortgage you have paid off can be a valuable asset, as the home equity you have built up could be used to finance renovations, or even to finance the purchase of another property. Talk to your Mortgage Choice broker today to explore how you can harness your equity. 

Disclaimer:
The results from these calculators are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

Borrowing Power:
The borrowing amount is a guide only. Loan repayments are based on the lowest interest rate (either standard variable or 3-year fixed rate, owner occupier) from our lender panel over a repayment period of 30 years. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.

Loan Repayments:
The lowest interest rate from our lender panel is either standard variable or 3-year fixed for an owner-occupier. Rates and repayments are indicative only and subject to change. The results from this calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purposes of entering into any legal or financial commitments.