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Compare Interest Rates

See how different interest rates affect your monthly repayments and total interest paid.

Compare Interest Rates


Enter your loan details


Loan amount
$
Loan term
years
Intro interest rate
%
Intro term
months

Enter your fee details


Standard / Revert rate
%
Upfront fees
$
Ongoing fees
$
End fees
$

Rate comparison


Intro rate 4.50% (12 mo)Standard rate 5.50%
Monthly repayment$833.75$918.33
Total interest$124,483.65$126,339.37
Total cost (incl. fees)$278,583.65$280,439.37
Total saving with intro rate+$1,855.72

Intro Repayment

$833.75

/ month

Revert Repayment

$918.33

/ month

Ongoing Fees

$10.00

/ month

Break-even Point

96.99737385677231 mo
Intro period cost Revert period cost Fees

Intro rate saves you money

Upfront fees recovered after 96.99737385677231 months

+$1,855.72

$150,000.00 loan · 25 yr term · 4.50% intro for 12 months → 5.50% · upfront $600.00 · ongoing $10.00/mo · end $500.00

Note: Results are indicative estimates based on your inputs using standard amortisation. Actual costs may vary based on lender fees, rate changes, payment timing, or other conditions. Always confirm details with your lender or broker.

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