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Popular calculators

Home loan repayments

Estimate your mortgage repayments based on your loan amount, whether they’re fixed rate or variable, and monthly or fortnightly.

Calculate repayments


How much could I borrow?

Calculate how much you could borrow, and what your loan repayments could be at different repayment frequencies.

Borrowing power calculator


Stamp duty, LMI & upfront costs

Estimate upfront costs of buying a home, including Lenders Mortgage Insurance, stamp duty and Government fees. See your grant eligibility too.

Costs & stamp duty calculator

Other handy calculators

Split loan calculator

See what splitting your loan might look like. Simply slide the scale for an idea of your variable and fixed repayment portions.


Offset calculator

Estimate how much you could shave off your home loan interest and term, with our everyday offset account.


Refinance calculator

Thinking about switching your home loan to Westpac? See the estimated savings you could make by refinancing.


Deposit-saving calculator

New to home loans? See how long it might take you to save your deposit for buying a home.


Rate change calculator

Estimate the impact of interest rate changes on your repayments based on your current rate, loan amount and term.


Real estate commission calculator

Get an idea of your area's real estate agent commission rate that you may need to pay when selling your home.


Home equity calculator

Estimate the ‘usable equity’ in your current home, and learn how it could help you build, buy a new home or an investment property.


Home Insurance calculators

Estimate how much cover you might need for your building or contents. Calculators are intended as a guide only.


Help me choose

Use our selector to find the home loan that best fits.

Let's begin

Tools & tips

property data report

Free property data reports

Get estimated property values, recent sale prices, expected rental yield or capital growth, trends, and more with our Property Reports.

Compare our home loans

Get a tailored snapshot of our fixed and variable interest rates, based on your loan type and term. Discover which loans let you make extra repayments and redraws^.


Frequently asked questions

Our repayment calculator takes into account how much you need to borrow, the loan term (for example 30 years), and then calculates the interest charge based on which loan structure you choose.


From there, it can work out based on the loan principal plus the interest what the total figure it is you need to pay over the loan term. 


For example, if you borrowed $500,000, and your total interest charge was $350,000 over 30 years, then the total amount payable would be $850,000. This is divided by the total months in your loan term to get to your monthly repayment amount. If interest rates change, or your loan type changes – say from variable to fixed – or if you have a feature such as an offset account, our system will keep track of these changes and update the monthly direct debit.


Keep in mind that there may be fees and other charges added to the total payable amount, such as Lenders Mortgage Insurance.


Try out our repayment calculator, exploring different loan terms and types of loan structures to see what may work for you.

Keep exploring

How to pay off your mortgage sooner

Explore how home loan features like an offset account or redraw facility could help you be mortgage free faster.


Applying for your home loan

Walk through the application process for a home loan with Westpac, from getting started online, to property valuation and settlement.


Explore the first home buyer’s hub

Find essential information about buying your first home here, from a glossary of common terms to understanding home loan types.


Things you should know

^Redraw facility: if you have ‘available funds’ (you’ve made extra home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (unlimited in-branch). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Redraw Authority form (PDF 66KB) (PDF 66KB) for full details.

^^Rate Lock: We’ll apply the fixed rate available on the loan settlement date or the date your fixed rate term starts, unless you lock a fixed rate on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.10% of your loan amount. At the end of the fixed rate term, the interest rate will roll onto our standard variable home loan interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined two business days before the end of the fixed term.

An automated valuation model estimate (AVM Estimate) is a statistically derived estimate of the value of the subject property. An AVM Estimate is generated (i) by a computer driven mathematical model in reliance on available data; (ii) without the physical inspection of the subject property; (iii) without taking into account any market conditions (including building, planning, or economic), and/or (iv) without identifying observable features or risks (including adverse environmental issues, state of repair, improvements, renovations, aesthetics, views or aspect) which may, together or separately, affect the value. An AVM Estimate is current only at the date of publication or supply. An AVM Estimate must not be relied upon as a professional valuation or an accurate representation of the market value of the subject property as determined by a valuer. CoreLogic expressly excludes any warranties and representations that an AVM Estimate is an accurate representation as to the market value of the subject property. To the full extent permitted by law, CoreLogic excludes all liability for any loss or damage howsoever arising or suffered by the recipient, whether as a result of the recipient's reliance on the accuracy of an AVM Estimate or otherwise arising in connection with an AVM Estimate.

**Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments. Excludes Line of Credit, Equity Access Loans.


#Premier Advantage Package: Conditions of Use and $395 annual package fee applies. You must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Premier Advantage Package. Applicants must have a Westpac Choice transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Before deciding to acquire a Westpac Choice account, read the terms and conditions, and consider whether the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.
Premier Advantage Package Conditions of Use (PDF 120KB)

Contains property sales information provided under licence from the Land and Property Information (“LPI”). RP Data Pty Ltd trading as CoreLogic is authorised as a Property Sales Information provider by the LPI.