![]() ![]() Three main factors determine your monthly mortgage payment: loan size, interest rate, and loan term. Your starting mortgage balance will be the price you pay for the house minus your down payment. Once you start actively looking for a home, make sure to get pre-approved, so you can move quickly once you find a home you want to bid for. ![]() (We recommend Money’s best mortgage lenders of the year as a good place to start your search.) When looking for a new home, keep in mind that mortgage rates change every day and vary from lender to lender, so use this loan calculator to get a ballpark estimate and then make sure to get quotes from multiple lenders. Our mortgage calculator allows home buyers to see how different inputs - purchase price, credit score, interest rate and down payment size - impact their total payment to help determine how much real estate they can comfortably afford. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.Find your actual rate - click above to get started and see your rate today. Different amounts and terms will result in different comparison rates. WARNING: This comparison rate applies only to the example or examples given. ^Comparison rates are based on a loan of $150,000 over a term of 25 years. * The home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that product, and not all products are available in all states and territories. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Different amounts and terms will result in different comparison rates. ^ Comparison rates are based on a loan of $150,000 over a term of 25 years. ![]() * Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, the product may not include all the features relevant to you, and not all products are available in all states and territories. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline. Mortgage Choice and Smartline are wholly-owned subsidiaries of REA. REA can connect you with our referral partner ubank, part of National Australia Bank Limited ABN 12 004 044 937 (AFSL and Australian Credit Licence 230686), or introduce you to a mortgage broker accredited with either Mortgage Choice Pty Ltd ACN 009 161 979 (Mortgage Choice) (Australian Credit Licence 382869) or Smartline Operations Pty Ltd ACN 086 467 727 (Smartline) (Australian Credit Licence 385325), who can talk to you about home loans from a range of lenders. This website has been prepared without taking into account your objectives, financial situation or needs. The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. ![]() Please refer to our Credit Guide for information relating to our activities. Pty Ltd ACN 080 195 535 (REA) is a credit representative (484305) of Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325). ![]()
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