HOME LOAN CALCULATORS.

Estimate your home loan repayments by adjusting the loan amount, repayment type, and interest rate. See how changes affect your monthly payments to plan with confidence.

CASHBACK CALCULATOR.

Your cashback will be paid in intervals from the settlement date:

  • After Year 1: 50% of the cashback
  • After Year 2: The remaining 50% of the cashback

   Compares refinancing versus keeping your current loan.
   Estimates potential savings over the loan term.
   Provides monthly repayments and total costs for different scenarios.

LOAN REPAYMENT

   Calculates monthly repayments based on loan amount, term, and interest rate.
   Estimates total interest, fees payable, and overall loan costs.
   Displays a loan balance chart showing payments and remaining balance over time.

   Shows how extra repayments reduce loan term and interest.
   Calculates time and interest saved with additional payments.
   Compares loan balances with and without extra contributions.

   Calculates your borrowing capacity based on income, expenses, and loan details.
   Provides estimated repayments (monthly, fortnightly, and weekly).
   Visualizes loan balance over time with a repayment chart.

   Estimates stamp duty and additional government fees based on property type, value, and buyer status.
   Identifies eligibility for grants, such as the First Home Owner Grant.
   Differentiates costs for paper or electronic transactions.

   Calculates annual, monthly, and weekly net income and tax amounts for different financial years.
   Compares tax and income differences between two financial years.
   Provides visual breakdowns of tax and net income as percentages of gross income.

   Calculates total savings and interest earned over a specified period with regular deposits.
   Displays savings growth with a detailed breakdown of contributions and interest earned.
   Allows customisation of deposit amount, frequency, interest rate, and savings term.

   Calculates monthly repayments for the interest-only period and the remaining loan term.
   Provides total interest, fees, and payments over the entire loan duration.
   Displays a loan balance chart showing the impact of interest-only and standard repayments.

   Calculates the comparison rate by factoring in interest rates, fees, and loan terms.
   Provides a breakdown of repayments, including introductory and revert rates.
   Visualises total costs and comparison rate with a detailed chart.

   Calculates the impact of a lump sum repayment on reducing your loan balance and term.
   Estimates the time and interest saved by making a lump sum payment.
   Displays a loan balance chart comparing repayment scenarios with and without the lump sum.

   Estimates loan repayment time based on payment amount and frequency.
   Calculates total interest and overall loan cost.
   Visualises repayment progress with a loan balance chart.

   Calculates repayments for split loans with both fixed and variable portions.
   Estimates total interest payable for the loan term.
   Visualises repayment breakdowns with a loan balance chart.

   Calculates interest savings and time reduction with an offset account.
   Adjusts loan term based on offset account balance.
   Displays repayment progress with a loan balance chart.

   Compares the total costs of two loan options, including fees and interest.
   Highlights potential savings between the two loans.
   Displays a chart visualising saved interest and fees over the loan term.

   Compares repayment times and interest costs for minimum versus higher credit card repayments.
   Shows how faster repayments reduce interest and shorten payment time.
   Displays a chart visualising credit card balance over time for both repayment options.

   Calculates the total cost of buying a property, including government charges, lender fees, and other expenses.
   Breaks down costs into categories like stamp duty, legal fees, and moving expenses.
   Provides an overall estimate to help budget for property purchases.

   Calculates total property selling costs, including agent fees, lender fees, and other expenses.
   Breaks down costs such as commissions, advertising, and mortgage discharge fees.
   Provides a clear estimate to help budget for property sales.

   Compares the financial outcomes of renting versus buying a property over a set period.
   Calculates equity growth from buying and savings accumulation from renting.
   Visualises the long-term financial difference with a detailed rent versus buy chart.

   Calculates annualised income based on year-to-date earnings and paid days.
   Estimates total paid and unpaid days in the financial year.
   Displays income and workday breakdown with a visual chart.

   Calculates gross income based on net income and tax obligations.
   Estimates annual tax payable and tax-to-gross income ratio.
   Visualises net income and tax paid with a detailed income chart.

   Calculates total interest earned based on different compounding intervals (annually, monthly, daily).
   Shows the impact of compounding frequency on yield rate and total returns.
   Visualises interest growth over time with a detailed comparison chart.

   Helps track and categorise income, expenses, and financial obligations.
   Provides a detailed breakdown of expenses across various categories like home, transport, and leisure.
   Calculates total annual income and expenses for better budget planning.

   Determines the monthly deposit required to reach a savings goal within a set term.
   Provides a breakdown of total deposits, interest earned, and final savings.
   Displays a savings balance chart to visualise progress over time.

Speak with our loan experts

Monday to Sunday  9am – 10pm (Melbourne time)

1300 685 008

Assess your situation

See if you qualify

Discuss your scenario with us.

Buying or refinancing?

Apply today and start saving

We’ll reach out within 1–2 business days.

The comparison rates are based on a secured loan of $150,000 over a term of 25 years. WARNING: Comparison rates provided are examples only. Your circumstances may involve different amounts and terms, resulting in different comparison rates. Please contact With Cashback for a clearer understanding of your fees and costs.

This information is provided by With Cashback Pty Ltd (ACN 620 888 502) as an Authorised Representative (number 502385) under FreedomLend Pty Ltd (ACN 604 868 957), holder of Australian Credit Licence 498325. It does not take into account your objectives, financial situation, or needs. You should consider whether it is appropriate for you.

Interest rates are subject to change at any time. The applicable interest rate will be the rate on the day of settlement for new loans or the day of processing for variations to existing loans. Lending criteria, fees, and terms and conditions apply.