Home Loan Repayment Calculator built for Australian mortgage brokers
Turn rate-shoppers into qualified borrower leads. Customers enter their loan amount, term and rate to see repayments instantly while you capture their details. Your comparison rates, your branding.
This is a price indication only. Our team will be in touch to confirm the final price after assessing the job.
*This is a price indication only. Your broker will confirm the final figures after reviewing your circumstances.
Step 1 of 5 — Loan & deposit
1Loan & deposit
2Rate & term
3Repayment frequency
4Offset account
5Pre-Approval Details
Loan & deposit
How much are you borrowing?
$AUD
$AUD
Home Loan Repayment Calculator · powered by LeadkitPowered by Leadkit
Live calculator — no sign-up needed.
Instant Notifications
Know the Moment a Lead Arrives
The second someone completes your calculator, you get a celebration notification with their full details — name, contact, project info, and estimated value.
Real-time alerts — no refreshing needed
Full customer details at a glance
One click to view the complete lead
Score and value calculated automatically
🎉
Your first lead just arrived!
Someone just requested an estimate on your website — their details have been captured and a new lead is ready in your dashboard.
Sarah Mitchell
Just now
Hot
Email sarah@example.com
Calculator Home Loan Repayment Calculator
Status New
Est. value $4,200
View Lead Details
I'll check it later
Automated Emails
Professional Emails Sent Automatically
Every calculator submission triggers branded emails — an instant estimate for your customer and a detailed lead notification for you.
Customer Estimate — Instant branded estimate sent to your customer
Lead Alert — New lead notification sent to your inbox
Updated Estimate — Revised estimate sent when you update pricing
Expiry Notice — Reminder sent when an estimate is about to expire
All prices in AUD · GST inclusive · Cancel any time, no calls or forms
Common questions
What others asks before signing up?
How much are repayments on a $600,000 home loan in Australia?
At a variable rate of around 5.9% p.a. over 30 years, repayments on a $600,000 loan are roughly $3,560–$3,600 per month, principal and interest. This calculator gives you an instant estimate for your specific loan amount, rate and term — your broker confirms the final figures after reviewing your circumstances.
How accurate is this home loan repayment calculator?
It uses the standard Australian principal-and-interest amortisation formula, so the repayment is accurate for the figures you enter. It's a price indication only — your actual rate, fees and borrowing power are confirmed by your broker and lender.
Does this include LMI, stamp duty or lender fees?
No. The calculator estimates loan repayments only. A deposit under 20% (an LVR above 80%) usually means Lenders Mortgage Insurance, and stamp duty and lender fees apply on top. Your broker will confirm these based on your state and lender. Home loan repayments are not subject to GST.
Can I add this calculator to my own website?
Yes — embed it on WordPress, Webflow, Squarespace, Wix or Shopify with one snippet, or use the free hosted page if you don't have a site.
What do I get when a borrower uses my calculator?
A full lead: their name, phone, email, loan brief and the estimate they saw — plus a branded PDF copy in your inbox, ready to follow up.
I don't have a website — can I still use it?
Yes. Every calculator gets a free hosted page with your branding and a shareable link for your Google profile, socials or texts.
How does the offset account option work?
When a borrower selects offset, the calculator estimates the interest saving on a typical average offset balance, which you set. It's an estimate to start the conversation — the broker confirms the real benefit based on the borrower's savings.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
Get Started Free
Start capturingborrower leads
Let borrowers see their repayments while you capture qualified enquiries. Set up your calculator in 60 seconds.
Understanding home loan repayment costs in Australia
The section below is for homeowners researching home loan repayment costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.
Based on AU market ratesGST includedUpdated for 2026
For borrowers
See your repayments before you apply
Get an instant home loan repayment quote for your loan amount, rate and term — monthly, fortnightly or weekly. The estimate is a price indication; your broker confirms your real rate and borrowing power.
See monthly, fortnightly and weekly repayments
Understand total interest over the life of the loan
Estimate how an offset account could reduce interest
Know roughly where your deposit sits against the 20% LMI threshold
For mortgage brokers
Capture borrowers while they compare rates
Let borrowers self-qualify and leave their details. Your comparison rates, your branding, your credit licence number on every estimate.
Your comparison rate and assumed offset balance on every estimate
Lead score helps you prioritise follow-ups
Free plan to start — upgrade for unlimited calculators
Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works
How this repayment estimate is calculated
Each estimate uses the standard Australian principal-and-interest amortisation formula, then converts the result to your chosen repayment frequency. It produces an estimate, not a binding quote — your broker confirms the final figures.
GST handling: Home loan repayments are not subject to GST. Lenders Mortgage Insurance, stamp duty and lender fees may apply separately — your broker will confirm.
1
Enter the loan basics
Loan amount, deposit, term and interest rate. The deposit sets your loan-to-value ratio (LVR) and flags whether LMI is likely.
LVR = loan ÷ (loan + deposit)
2
Apply the amortisation formula
The monthly repayment is calculated from the loan amount, the monthly rate and the number of months in the term.
monthly = P · r(1+r)ⁿ ÷ ((1+r)ⁿ − 1)
3
Convert to your frequency
Monthly repayments are split into fortnightly or weekly amounts based on the number of repayments a year.
repayment = monthly × 12 ÷ payments per year
4
Estimate interest and offset savings
Total interest is the sum of repayments less the principal. An offset account reduces the interest estimate on a typical balance.
total interest = (repayments) − principal − offset saving
Repayments depend on your loan size, rate and term. These are typical principal-and-interest repayments over 30 years at variable rates around 5.7%–6.8% p.a. — your estimate is tailored to your loan.
The RBA cash rate sat at 4.35% in May 2026. Big-four owner-occupier variable rates averaged around 5.9% p.a.; smaller lenders and larger deposits can lower the rate, while a deposit under 20% adds LMI.
