Home Loan Calculator
Amortisation Calculator
Understand how your home-loan balance reduces over time and see how extra payments can lower the total interest you pay.
Start CalculatingAmortisation Calculator FAQs
A few quick answers before you take the next step.
What does an amortisation schedule show?
It shows how each monthly payment is split between interest and principal over the life of the loan, and how the balance decreases over time.
Can extra repayments reduce my total interest?
Yes. Paying extra reduces the principal faster, which lowers the interest charged and can shorten the loan term.
Is this the final amount the bank will offer?
No. It is a guide. The bank will still assess your income, expenses, credit profile, and the property details.
What should I do after reviewing my amortisation?
Speak to us about prequalification and whether refinancing or extra payments make sense for your situation.
