Guide
Home Loan Process
Step by step from application through to settlement—who’s involved, what happens when, and how to keep things moving quickly.
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Timeline & insights
Model a fixed/variable split and compare total interest and time to repay against a single all-variable loan. We also estimate the break-even variable rate where both options cost the same.
Assumptions: principal & interest repayments; fixed portion amortises over the full term at the fixed rate; at the end of the fixed term, any remaining balance rolls to the variable rate and the repayment is recalculated for the remaining term. Extra repayments are applied to the variable portion only during the fixed period.
Important: This tool is a guide only. Figures are indicative and based on the assumptions above. It does not consider fees, rate changes, product caps on extra repayments, break costs, or your personal objectives and financial situation. Please seek tailored advice before making decisions.
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