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Crunch the numbers

Savings

How much could I save?

Borrowing power

How much could I borrow?

Repayments

How much could it cost?

Stamp duty

How much could upfront costs be?

5.60% p.a. comparison rate*
p.a.
$
Principal
Interest

$584,945

interest paid

Unloan

$629,483

interest paid

Other

You could save

$44,340

TodayYear 30

Including 0.30% p.a. loyalty discount in year 30.

Based on a 5.69% p.a. variable rate and 5.60% p.a. comparison rate. For new loans, up to 80% LVR.

Your savings breakdown

Estimated minimum monthly repayments

Other

$3,276

Unloan

$3,189

Reducing to $3,132**

You'll pay $87 less a month in year 1.

Estimated total loan repayments

Other

$1,179,483

Unloan

$1,134,945

Principal and interest repayments over the life of your loan.

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Interest rate balance illustration

How are interest rates determined?

25 Nov 2025 | 4 minute read

In case you missed anything

General

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate and the 'Other' rate (where entered in certain calculator types), and assume any rates continue 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 monthly repayments as per the 'Other' repayments figure, rather than 'Unloan' repayments figure, and assume that your additional repayments and 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 Lenders Mortgage Insurance (LMI), 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. For loans requiring LMI, an LMI premium and in some instances a higher interest rate will apply. 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.