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Savings

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Borrowing power

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Repayments

How much could it cost?

Stamp duty

How much could upfront costs be?

5.80% p.a. comparison rate*
$
Year 1
5.89%p.a.
Interest rate
$3,259
/month
Minimum repayments
$550,000
Starting balance
30
Years remaining
Today
30 Years
Minimum repayments
$3,259/month
Reducing to $3,201/month**
Variable rate
5.89% p.a.
Comparison rate*
5.80% p.a.

For new loans.

$
/month
|

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Interest rate balance illustration

How are interest rates determined?

25 Nov 2025 | 4 minute read

In case you missed anything

We calculate your monthly home loan repayment by considering the following factors:

  • The total loan amount.
  • The estimated total interest charged over the loan term (until the loan settlement date).
  • The annual rate discount that increases every year (up to 30 years).

We divide that total amount by up the length of your loan term to determine your monthly repayment.

Please note that these calculations for home loans are based on our current advertised rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

You'll be able to see:

  • An estimate of your minimum monthly principal and interest repayments by refinancing to Unloan.
  • What changes occur if you make additional repayments.
  • An estimate of how much interest you could save by refinancing to Unloan.
  • How our annual discount works over the life of your loan.

Choose what type of loan you're looking at calculating the repayment amount and repayment frequency for, whether for a live-in (owner-occupied) loan or an investment loan. Enter the loan amount, loan term, and if you're making any additional repayments. These factors will affect the minimum repayment amount.

The visual graph will provide an estimate of what you could save on your loan balance every year when refinancing to Unloan.

Please note that these calculations are an estimate provided as a guide only. They are calculated based on our current advertised rate and assume this rate continues for the life of the loan. Interest rates may change at any time.

The calculations on our refinance home loan calculator and mortgage interest calculator are an estimate provided as a guide only. They are calculated based on our current advertised interest rate and assume this rate continues for the life of the loan until the loan settlement date is reached. Interest rates may change at any time.

Calculations are not home loan approvals. Applications are subject to credit approval, satisfactory security, and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.

As the refinance home loan calculator has been provided without considering your objectives, financial situation or needs, you should consider the appropriateness of any outcomes to your circumstances, and seek independent advice as required. Take note that our calculations do not consider product features or grants.

General

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

Any time savings calculations are calculated based on how much earlier your unpaid balance would reach zero if you made additional repayments and assume that those additional repayments and any interest rates remain the same for the full loan term.

All calculations assume that your loan remains in place for the full term selected and do not consider any additional repayments (other than those entered in certain calculator types), redraws, fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees) nor any funds you may currently have in redraw or offset for your current loan.

Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees). Any of these additional amounts may impact how much you can borrow and will increase repayments under the loan.

Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.

*Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**This figure represents the rate/repayment applicable in the final year of the loan, should the loan remain in place for the full term selected and assumes the reference rate will not change for the life of your loan, which is unlikely to be the case. Rates shown are inclusive of a 0.01% p.a. discount off our reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum, up to a maximum discount of 0.30% per annum.