Login Join Us
Login
Overview
About UsWho we are and what drives us PricingChoose the plan that fits your goals
Services
Strategic CoachingBook a one-on-one session Research ServicesDone-for-you research, one-off or quarterly Mastermind CoachingCommunity training for investors & buyers agents
Evidence Portal
135 Recommendations.
135 Winners.

We publish our record and mark every pick to market – so you can judge the method before you trust it.

See the evidence
Product ecosystem
Dex™ V3Filter and rank markets against a brief StreetLens™Pockets, live listings and local risk AI CopilotPlain-English analysis and comparisons HtAG VetterChrome extension · score portal listings See all products
Popular reports
Suburb Data Guide PDFInstant download · one suburb, 150+ metrics GPD & GSP WhitepaperThe Growth Timing Framework The Real Estate Data BlueprintMaster property analytics Browse the whole storeReports, data packs & more
Heatmaps & developer resources
Markets In the Moment™Sales volumes & price trends Relative Composite Score™Price change, yields & RCS™ SchoolRank™Education quality, every school Developer PortalREST API, MCP servers, Excel & Eve GPT
Member tools
Get access to more toolsAI Copilot, Goal Matching, Portfolio Health, Suburb Analysis and many more
Member tools
Get access to
more tools.

AI Copilot, modelling, shortlisting, research and analysis — all in the member workspace.

Compare plans
Product ecosystemSee all products
Dex™ V3Market selection StreetLens™Street intelligence AI CopilotResearch assistant HtAG VetterChrome extension
Get Help
Ana GPTAI-powered support assistant Contact UsGet in touch with our team Buyers Agent DirectoryTrusted professionals near you
Data & Learning
Education HubGuides, tutorials and articles Data DictionaryDefinitions of all 150+ metrics Data FAQClarifications on metrics & datasets
Mastermind Community
Follow professionals who share the reasoning behind their calls.

Compare markets, pressure-test theses and follow members applying the data to real purchases.

Join the Mastermind

What will the loan cost?

Mortgage repayment calculator

Explore mortgage repayments and the effect of changing the loan, rate, term or repayment frequency.

Start calculatingSee plans
  • Free, no account needed
  • Workings and assumptions shown
  • Official sources linked

Use the free calculator

Mortgage repayment calculator

Fortnightly here is true fortnightly: the yearly rate divided by 26, over 26 repayments a year. It is not half the monthly repayment.

This calculator needs JavaScript to work.

How it’s calculated

The method behind your estimate

How this estimate works

Enter the loan balance, annual rate and term to compare regular repayments. Extra repayments and an offset can change interest and the time needed to repay the loan.

What to check before you act

The rate stays fixed for the scenario. Lender fees, future rate changes and lender-specific daily interest calculations can differ.

Sources and further guidance

General information only. Check the calculator workings, selected rules date and supported scope. Not financial, credit, tax, legal or valuation advice.

Your next step

Plan a purchase

You are on step 4 of 5: Mortgage repayments

Next: Rent versus buy
  1. Borrowing power
  2. Stamp duty
  3. Upfront costs and LMI
  4. Mortgage repayments
  5. Rent versus buy
  • Step 1

    How much could I borrow?

    Borrowing power

    An indicative starting point for how much you could borrow. Lender policies vary; this is not a loan approval.

    FreeHtAG data

  • Step 2

    What will the duty be?

    Stamp duty

    Transfer duty in your state, with first home buyer and foreign purchaser rules.

    FreeHtAG data

  • Step 3

    How much cash do I need?

    Upfront costs and LMI

    The cash you need to buy, including duty, fees and lenders mortgage insurance.

    FreeHtAG data

  • Step 5 · Next

    Should I rent or buy?

    Rent versus buy

    Compare buying a home with renting and investing under the same annual budget.

    FreeHtAG data

Continue your research

Take this scenario further.

The calculator shows what the numbers do. These tools show where they work: the suburbs, the streets and the answers behind them.

  • Market selection

    With a plan

    Residential Dex™

    Filter and rank Australian suburbs against a brief, with the contribution behind every score.

  • Market map

    Free

    LGA and Suburb Heatmap

    Compare markets across Australia by typical price, one-year growth and area layers.

  • Research assistant

    With a plan

    AI Copilot

    Research suburbs in plain English. Every answer names the metrics and the as-at date behind it.

Your own figures are free. HtAG data makes them specific.

This calculator is complete with your own figures. A plan adds the research around it: what suburbs cost, rent for and how they are trending.

  • 7,000+ suburbs scored
  • 150+ metrics
  • 537 LGA dashboards
See plansBook a demo

FAQ

Questions people ask

Short answers about the method, the rules and what HtAG data adds.

Still have a question? Contact us

Is fortnightly repayment half a monthly payment?

Here it uses the annual rate divided by 26 over 26 payments a year. It is not the accelerated method of paying half a monthly payment every fortnight.

Do I need a subscription?

No. The complete repayment calculation, offset and extra-payment inputs are free.

Is the mortgage repayments calculator free to use?

Yes. Every HtAG calculator is free to use with your own figures, and you do not need an account. An HtAG plan adds property and suburb data to the calculators that support it.