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Repayment Calculator

Make planning easier with a clear picture of what your repayments will be.

Repayment Calculator

See what your home loan repayments could be.

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Work out the cost of stamp duty for your state or territory.

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Set a savings goal for your home loan deposit.

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Get an overview of the overall costs of a home loan.

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Home loan key features

Once you have run the numbers and have a clear idea of what your mortgage repayments might be, browse our range of competitive home loans to find the right one for you.

Check out our great interest rates from 6.39% p.a. (7.34% p.a. comparison rate).

Our home loans come with:
  • Competitive fixed or variable rates
  • Fast approvals
  • Principal and interest monthly repayments
  • Offset account available for both fixed and variable rate loans
  • Choose a loan term that suits you up to 30 years
  • Redraw facility on all loan types available
  • Pre-approval available
  • Friendly and helpful team in branch or over the phone

Repayment calculator FAQs

What is the purpose of our calculators?

We understand that it is important to have a clear idea of your financial situation. That’s why we have designed a range of calculators that will allow you to see everything from what the cost of stamp duty could be for home loan borrowers, to an overview of where your money is going each month to how much you will pay in repayments and interest over the life of the loan.

Take the time to run the numbers according to your specific scenario, but keep in mind that our calculators only provide a general overview. Our friendly team is always here to help. Book an appointment with our lending specialists.

Give us a call on (07) 4031 4460 or email us at and book in a time to come and chat.

Our home loan repayments calculator will provide you with an estimate of what your repayments will be, taking into account a number of factors including the loan amount, loan term, interest rate, repayment frequency and whether you will be paying the principal and interest, or just the interest.

During the home loan application process, when you visit our friendly team in branch, we will give you an overview of the exact figures of what your regular home loan repayments will be based on the current rates available.

A fixed rate loan allows you to lock in your interest rate for a fixed period of time, protecting you from rate rises. However, it’s important to keep in mind break cost fees may apply.

A variable rate loan on the other hand, has an interest rate that can change over time, depending on what is happening in the market. While this could see your repayments go up or down, often a variable rate home loan can come with greater flexibility.

The answer depends on what works for you. You may like to set up an automatic payment and align your home loan repayments with payday, which could be weekly, fortnightly or monthly.

If your goal is to pay down your home loan as fast as possible, opting for a more frequent repayment cycle, will reduce the interest you pay and help you pay down your mortgage earlier. For instance, setting up your repayments fortnightly, instead of monthly will mean you will pay less in interest, as interest is charged daily, and pay off an additional month per year.

Yes, Cairns Bank is proud to offer a range of flexible options with our range of home loans, including the option to make extra repayments. Alternatively, you can also reduce the interest you pay, with our offset account. The best part is a redraw facility is available on all loan types, so you can draw on that extra money when needed.

When you are ready to visit us in branch, there are several documents that you will need to bring with you. Visit our How to apply for a home loan page for a full rundown.

Apply for a home loan today

To find out more or to apply for a home loan book an appointment with our friendly team.