HOME LOAN COMPARISON CALCULATOR
Compare your loan options
Compare two different loan structures side-by-side to understand the impact of rates, fees, offset accounts, and loan terms on your overall costs.
Different lenders may assess the same information differently. Your result is an estimate, not a lending decision.
Home Loan Comparison Calculator
Compare two loan structures to estimate repayment differences, interest savings, and break-even periods.
Current Loan (Option A)
New Loan (Option B)
Comparison Results
See how the two options compare over your chosen period.
Repayment Difference
Option B is cheaper
Total Cost Difference (5 Yrs)
Option B saves you money
Break-even Period
To recover Option B upfront fees
| Metric | Option A | Option B |
|---|---|---|
| Monthly Repayment | $3,376 | $3,027 |
| Interest (5 Years) | $147,717 | $140,293 |
| Fees (5 Years) | $1,975 | $600 |
| Total Cost (5 Years) | $149,692 | $140,893 |
| Balance at End of Period | $445,154 | $458,688 |
| Life of Loan Interest | $438,846 | $496,910 |
Term Extension Effect: Option B has a longer term (30 years) than Option A (25 years). While this reduces monthly repayments, it may increase the total interest paid over the life of the loan. In this scenario, extending the term costs an estimated $58,064 more in total interest.