What drives your repayment
A bond repayment is built from the loan amount (price minus deposit), the interest rate and the term. Early payments are mostly interest; later ones mostly capital. A bigger deposit or a shorter term cuts the total interest substantially.
Common questions
Capital and interest on a home loan. It does not include transfer duty, bond registration costs, rates, levies or home insurance.
Banks often lend up to 100%, but a deposit lowers your repayment and can earn a better rate. The calculator shows your deposit percentage.
The rate is pre-filled near prime (~11%). Your actual rate is set as prime plus or minus a margin based on your profile — enter your quoted rate for accuracy.