Home Advantage Variable Investment Loan (Interest Only) ($700k+) (LVR 80%-90%) from Heritage Bank

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$250,000
Advertised rate
3.97%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$827
Number of Repayments
300
Total Interest Paid
$-1,900
Total repayments
$248,100
DatePrincipleInterestPaymentBalance
1Oct 2019$488.37$827.08$1,315.45$249,511.63
2Nov 2019$489.98$825.47$1,315.45$249,021.65
3Dec 2019$491.60$823.85$1,315.45$248,530.05
2019 Total$1,469.95$2,476.4$3,946.35
4Jan 2020$493.23$822.22$1,315.45$248,036.82
5Feb 2020$494.86$820.59$1,315.45$247,541.96
6Mar 2020$496.50$818.95$1,315.45$247,045.46
7Apr 2020$498.14$817.31$1,315.45$246,547.32
8May 2020$499.79$815.66$1,315.45$246,047.53
9Jun 2020$501.44$814.01$1,315.45$245,546.09
10Jul 2020$503.10$812.35$1,315.45$245,042.99
11Aug 2020$504.77$810.68$1,315.45$244,538.22
12Sep 2020$506.44$809.01$1,315.45$244,031.78
13Oct 2020$508.11$807.34$1,315.45$243,523.67
14Nov 2020$509.79$805.66$1,315.45$243,013.88
15Dec 2020$511.48$803.97$1,315.45$242,502.40
2020 Total$6,027.65$9,757.75$15,785.4
16Jan 2021$513.17$802.28$1,315.45$241,989.23
17Feb 2021$514.87$800.58$1,315.45$241,474.36
18Mar 2021$516.57$798.88$1,315.45$240,957.79
19Apr 2021$518.28$797.17$1,315.45$240,439.51
20May 2021$520.00$795.45$1,315.45$239,919.51
21Jun 2021$521.72$793.73$1,315.45$239,397.79
22Jul 2021$523.44$792.01$1,315.45$238,874.35
23Aug 2021$525.17$790.28$1,315.45$238,349.18
24Sep 2021$526.91$788.54$1,315.45$237,822.27
25Oct 2021$528.65$786.80$1,315.45$237,293.62
26Nov 2021$530.40$785.05$1,315.45$236,763.22
27Dec 2021$532.16$783.29$1,315.45$236,231.06
2021 Total$6,271.34$9,514.06$15,785.4
28Jan 2022$533.92$781.53$1,315.45$235,697.14
29Feb 2022$535.69$779.76$1,315.45$235,161.45
30Mar 2022$537.46$777.99$1,315.45$234,623.99
31Apr 2022$539.24$776.21$1,315.45$234,084.75
32May 2022$541.02$774.43$1,315.45$233,543.73
33Jun 2022$542.81$772.64$1,315.45$233,000.92
34Jul 2022$544.61$770.84$1,315.45$232,456.31
35Aug 2022$546.41$769.04$1,315.45$231,909.90
36Sep 2022$548.21$767.24$1,315.45$231,361.69
37Oct 2022$550.03$765.42$1,315.45$230,811.66
38Nov 2022$551.85$763.60$1,315.45$230,259.81
39Dec 2022$553.67$761.78$1,315.45$229,706.14
2022 Total$6,524.92$9,260.48$15,785.4
40Jan 2023$555.51$759.94$1,315.45$229,150.63
41Feb 2023$557.34$758.11$1,315.45$228,593.29
42Mar 2023$559.19$756.26$1,315.45$228,034.10
43Apr 2023$561.04$754.41$1,315.45$227,473.06
44May 2023$562.89$752.56$1,315.45$226,910.17
45Jun 2023$564.76$750.69$1,315.45$226,345.41
46Jul 2023$566.62$748.83$1,315.45$225,778.79
47Aug 2023$568.50$746.95$1,315.45$225,210.29
48Sep 2023$570.38$745.07$1,315.45$224,639.91
49Oct 2023$572.27$743.18$1,315.45$224,067.64
50Nov 2023$574.16$741.29$1,315.45$223,493.48
51Dec 2023$576.06$739.39$1,315.45$222,917.42
2023 Total$6,788.72$8,996.68$15,785.4
52Jan 2024$577.96$737.49$1,315.45$222,339.46
53Feb 2024$579.88$735.57$1,315.45$221,759.58
54Mar 2024$581.80$733.65$1,315.45$221,177.78
55Apr 2024$583.72$731.73$1,315.45$220,594.06
56May 2024$585.65$729.80$1,315.45$220,008.41
57Jun 2024$587.59$727.86$1,315.45$219,420.82
58Jul 2024$589.53$725.92$1,315.45$218,831.29
59Aug 2024$591.48$723.97$1,315.45$218,239.81
60Sep 2024$593.44$722.01$1,315.45$217,646.37
61Oct 2024$595.40$720.05$1,315.45$217,050.97
62Nov 2024$597.37$718.08$1,315.45$216,453.60
63Dec 2024$599.35$716.10$1,315.45$215,854.25
2024 Total$7,063.17$8,722.23$15,785.4
64Jan 2025$601.33$714.12$1,315.45$215,252.92
65Feb 2025$603.32$712.13$1,315.45$214,649.60
66Mar 2025$605.32$710.13$1,315.45$214,044.28
67Apr 2025$607.32$708.13$1,315.45$213,436.96
68May 2025$609.33$706.12$1,315.45$212,827.63
69Jun 2025$611.35$704.10$1,315.45$212,216.28
70Jul 2025$613.37$702.08$1,315.45$211,602.91
71Aug 2025$615.40$700.05$1,315.45$210,987.51
72Sep 2025$617.43$698.02$1,315.45$210,370.08
73Oct 2025$619.48$695.97$1,315.45$209,750.60
74Nov 2025$621.53$693.92$1,315.45$209,129.07
75Dec 2025$623.58$691.87$1,315.45$208,505.49
2025 Total$7,348.76$8,436.64$15,785.4
76Jan 2026$625.64$689.81$1,315.45$207,879.85
77Feb 2026$627.71$687.74$1,315.45$207,252.14
78Mar 2026$629.79$685.66$1,315.45$206,622.35
79Apr 2026$631.87$683.58$1,315.45$205,990.48
80May 2026$633.96$681.49$1,315.45$205,356.52
81Jun 2026$636.06$679.39$1,315.45$204,720.46
82Jul 2026$638.17$677.28$1,315.45$204,082.29
83Aug 2026$640.28$675.17$1,315.45$203,442.01
84Sep 2026$642.40$673.05$1,315.45$202,799.61
85Oct 2026$644.52$670.93$1,315.45$202,155.09
86Nov 2026$646.65$668.80$1,315.45$201,508.44
87Dec 2026$648.79$666.66$1,315.45$200,859.65
2026 Total$7,645.84$8,139.56$15,785.4
88Jan 2027$650.94$664.51$1,315.45$200,208.71
89Feb 2027$653.09$662.36$1,315.45$199,555.62
90Mar 2027$655.25$660.20$1,315.45$198,900.37
91Apr 2027$657.42$658.03$1,315.45$198,242.95
92May 2027$659.60$655.85$1,315.45$197,583.35
93Jun 2027$661.78$653.67$1,315.45$196,921.57
94Jul 2027$663.97$651.48$1,315.45$196,257.60
95Aug 2027$666.16$649.29$1,315.45$195,591.44
96Sep 2027$668.37$647.08$1,315.45$194,923.07
97Oct 2027$670.58$644.87$1,315.45$194,252.49
98Nov 2027$672.80$642.65$1,315.45$193,579.69
99Dec 2027$675.02$640.43$1,315.45$192,904.67
2027 Total$7,954.98$7,830.42$15,785.4
100Jan 2028$677.26$638.19$1,315.45$192,227.41
101Feb 2028$679.50$635.95$1,315.45$191,547.91
102Mar 2028$681.75$633.70$1,315.45$190,866.16
103Apr 2028$684.00$631.45$1,315.45$190,182.16
104May 2028$686.26$629.19$1,315.45$189,495.90
105Jun 2028$688.53$626.92$1,315.45$188,807.37
106Jul 2028$690.81$624.64$1,315.45$188,116.56
107Aug 2028$693.10$622.35$1,315.45$187,423.46
108Sep 2028$695.39$620.06$1,315.45$186,728.07
109Oct 2028$697.69$617.76$1,315.45$186,030.38
110Nov 2028$700.00$615.45$1,315.45$185,330.38
111Dec 2028$702.32$613.13$1,315.45$184,628.06
2028 Total$8,276.61$7,508.79$15,785.4
112Jan 2029$704.64$610.81$1,315.45$183,923.42
113Feb 2029$706.97$608.48$1,315.45$183,216.45
114Mar 2029$709.31$606.14$1,315.45$182,507.14
115Apr 2029$711.66$603.79$1,315.45$181,795.48
116May 2029$714.01$601.44$1,315.45$181,081.47
117Jun 2029$716.37$599.08$1,315.45$180,365.10
118Jul 2029$718.74$596.71$1,315.45$179,646.36
119Aug 2029$721.12$594.33$1,315.45$178,925.24
120Sep 2029$723.51$591.94$1,315.45$178,201.73
121Oct 2029$725.90$589.55$1,315.45$177,475.83
122Nov 2029$728.30$587.15$1,315.45$176,747.53
123Dec 2029$730.71$584.74$1,315.45$176,016.82
2029 Total$8,611.24$7,174.16$15,785.4
124Jan 2030$733.13$582.32$1,315.45$175,283.69
125Feb 2030$735.55$579.90$1,315.45$174,548.14
126Mar 2030$737.99$577.46$1,315.45$173,810.15
127Apr 2030$740.43$575.02$1,315.45$173,069.72
128May 2030$742.88$572.57$1,315.45$172,326.84
129Jun 2030$745.34$570.11$1,315.45$171,581.50
130Jul 2030$747.80$567.65$1,315.45$170,833.70
131Aug 2030$750.28$565.17$1,315.45$170,083.42
132Sep 2030$752.76$562.69$1,315.45$169,330.66
133Oct 2030$755.25$560.20$1,315.45$168,575.41
134Nov 2030$757.75$557.70$1,315.45$167,817.66
135Dec 2030$760.25$555.20$1,315.45$167,057.41
2030 Total$8,959.41$6,825.99$15,785.4
136Jan 2031$762.77$552.68$1,315.45$166,294.64
137Feb 2031$765.29$550.16$1,315.45$165,529.35
138Mar 2031$767.82$547.63$1,315.45$164,761.53
139Apr 2031$770.36$545.09$1,315.45$163,991.17
140May 2031$772.91$542.54$1,315.45$163,218.26
141Jun 2031$775.47$539.98$1,315.45$162,442.79
142Jul 2031$778.04$537.41$1,315.45$161,664.75
143Aug 2031$780.61$534.84$1,315.45$160,884.14
144Sep 2031$783.19$532.26$1,315.45$160,100.95
145Oct 2031$785.78$529.67$1,315.45$159,315.17
146Nov 2031$788.38$527.07$1,315.45$158,526.79
147Dec 2031$790.99$524.46$1,315.45$157,735.80
2031 Total$9,321.61$6,463.79$15,785.4
148Jan 2032$793.61$521.84$1,315.45$156,942.19
149Feb 2032$796.23$519.22$1,315.45$156,145.96
150Mar 2032$798.87$516.58$1,315.45$155,347.09
151Apr 2032$801.51$513.94$1,315.45$154,545.58
152May 2032$804.16$511.29$1,315.45$153,741.42
153Jun 2032$806.82$508.63$1,315.45$152,934.60
154Jul 2032$809.49$505.96$1,315.45$152,125.11
155Aug 2032$812.17$503.28$1,315.45$151,312.94
156Sep 2032$814.86$500.59$1,315.45$150,498.08
157Oct 2032$817.55$497.90$1,315.45$149,680.53
158Nov 2032$820.26$495.19$1,315.45$148,860.27
159Dec 2032$822.97$492.48$1,315.45$148,037.30
2032 Total$9,698.5$6,086.9$15,785.4
160Jan 2033$825.69$489.76$1,315.45$147,211.61
161Feb 2033$828.42$487.03$1,315.45$146,383.19
162Mar 2033$831.17$484.28$1,315.45$145,552.02
163Apr 2033$833.92$481.53$1,315.45$144,718.10
164May 2033$836.67$478.78$1,315.45$143,881.43
165Jun 2033$839.44$476.01$1,315.45$143,041.99
166Jul 2033$842.22$473.23$1,315.45$142,199.77
167Aug 2033$845.01$470.44$1,315.45$141,354.76
168Sep 2033$847.80$467.65$1,315.45$140,506.96
169Oct 2033$850.61$464.84$1,315.45$139,656.35
170Nov 2033$853.42$462.03$1,315.45$138,802.93
171Dec 2033$856.24$459.21$1,315.45$137,946.69
2033 Total$10,090.61$5,694.79$15,785.4
172Jan 2034$859.08$456.37$1,315.45$137,087.61
173Feb 2034$861.92$453.53$1,315.45$136,225.69
174Mar 2034$864.77$450.68$1,315.45$135,360.92
175Apr 2034$867.63$447.82$1,315.45$134,493.29
176May 2034$870.50$444.95$1,315.45$133,622.79
177Jun 2034$873.38$442.07$1,315.45$132,749.41
178Jul 2034$876.27$439.18$1,315.45$131,873.14
179Aug 2034$879.17$436.28$1,315.45$130,993.97
180Sep 2034$882.08$433.37$1,315.45$130,111.89
181Oct 2034$885.00$430.45$1,315.45$129,226.89
182Nov 2034$887.92$427.53$1,315.45$128,338.97
183Dec 2034$890.86$424.59$1,315.45$127,448.11
2034 Total$10,498.58$5,286.82$15,785.4
184Jan 2035$893.81$421.64$1,315.45$126,554.30
185Feb 2035$896.77$418.68$1,315.45$125,657.53
186Mar 2035$899.73$415.72$1,315.45$124,757.80
187Apr 2035$902.71$412.74$1,315.45$123,855.09
188May 2035$905.70$409.75$1,315.45$122,949.39
189Jun 2035$908.69$406.76$1,315.45$122,040.70
190Jul 2035$911.70$403.75$1,315.45$121,129.00
191Aug 2035$914.71$400.74$1,315.45$120,214.29
192Sep 2035$917.74$397.71$1,315.45$119,296.55
193Oct 2035$920.78$394.67$1,315.45$118,375.77
194Nov 2035$923.82$391.63$1,315.45$117,451.95
195Dec 2035$926.88$388.57$1,315.45$116,525.07
2035 Total$10,923.04$4,862.36$15,785.4
196Jan 2036$929.95$385.50$1,315.45$115,595.12
197Feb 2036$933.02$382.43$1,315.45$114,662.10
198Mar 2036$936.11$379.34$1,315.45$113,725.99
199Apr 2036$939.21$376.24$1,315.45$112,786.78
200May 2036$942.31$373.14$1,315.45$111,844.47
201Jun 2036$945.43$370.02$1,315.45$110,899.04
202Jul 2036$948.56$366.89$1,315.45$109,950.48
203Aug 2036$951.70$363.75$1,315.45$108,998.78
204Sep 2036$954.85$360.60$1,315.45$108,043.93
205Oct 2036$958.00$357.45$1,315.45$107,085.93
206Nov 2036$961.17$354.28$1,315.45$106,124.76
207Dec 2036$964.35$351.10$1,315.45$105,160.41
2036 Total$11,364.66$4,420.74$15,785.4
208Jan 2037$967.54$347.91$1,315.45$104,192.87
209Feb 2037$970.75$344.70$1,315.45$103,222.12
210Mar 2037$973.96$341.49$1,315.45$102,248.16
211Apr 2037$977.18$338.27$1,315.45$101,270.98
212May 2037$980.41$335.04$1,315.45$100,290.57
213Jun 2037$983.66$331.79$1,315.45$99,306.91
214Jul 2037$986.91$328.54$1,315.45$98,320.00
215Aug 2037$990.17$325.28$1,315.45$97,329.83
216Sep 2037$993.45$322.00$1,315.45$96,336.38
217Oct 2037$996.74$318.71$1,315.45$95,339.64
218Nov 2037$1,000.03$315.42$1,315.45$94,339.61
219Dec 2037$1,003.34$312.11$1,315.45$93,336.27
2037 Total$11,824.14$3,961.26$15,785.4
220Jan 2038$1,006.66$308.79$1,315.45$92,329.61
221Feb 2038$1,009.99$305.46$1,315.45$91,319.62
222Mar 2038$1,013.33$302.12$1,315.45$90,306.29
223Apr 2038$1,016.69$298.76$1,315.45$89,289.60
224May 2038$1,020.05$295.40$1,315.45$88,269.55
225Jun 2038$1,023.42$292.03$1,315.45$87,246.13
226Jul 2038$1,026.81$288.64$1,315.45$86,219.32
227Aug 2038$1,030.21$285.24$1,315.45$85,189.11
228Sep 2038$1,033.62$281.83$1,315.45$84,155.49
229Oct 2038$1,037.04$278.41$1,315.45$83,118.45
230Nov 2038$1,040.47$274.98$1,315.45$82,077.98
231Dec 2038$1,043.91$271.54$1,315.45$81,034.07
2038 Total$12,302.2$3,483.2$15,785.4
232Jan 2039$1,047.36$268.09$1,315.45$79,986.71
233Feb 2039$1,050.83$264.62$1,315.45$78,935.88
234Mar 2039$1,054.30$261.15$1,315.45$77,881.58
235Apr 2039$1,057.79$257.66$1,315.45$76,823.79
236May 2039$1,061.29$254.16$1,315.45$75,762.50
237Jun 2039$1,064.80$250.65$1,315.45$74,697.70
238Jul 2039$1,068.33$247.12$1,315.45$73,629.37
239Aug 2039$1,071.86$243.59$1,315.45$72,557.51
240Sep 2039$1,075.41$240.04$1,315.45$71,482.10
241Oct 2039$1,078.96$236.49$1,315.45$70,403.14
242Nov 2039$1,082.53$232.92$1,315.45$69,320.61
243Dec 2039$1,086.11$229.34$1,315.45$68,234.50
2039 Total$12,799.57$2,985.83$15,785.4
244Jan 2040$1,089.71$225.74$1,315.45$67,144.79
245Feb 2040$1,093.31$222.14$1,315.45$66,051.48
246Mar 2040$1,096.93$218.52$1,315.45$64,954.55
247Apr 2040$1,100.56$214.89$1,315.45$63,853.99
248May 2040$1,104.20$211.25$1,315.45$62,749.79
249Jun 2040$1,107.85$207.60$1,315.45$61,641.94
250Jul 2040$1,111.52$203.93$1,315.45$60,530.42
251Aug 2040$1,115.20$200.25$1,315.45$59,415.22
252Sep 2040$1,118.88$196.57$1,315.45$58,296.34
253Oct 2040$1,122.59$192.86$1,315.45$57,173.75
254Nov 2040$1,126.30$189.15$1,315.45$56,047.45
255Dec 2040$1,130.03$185.42$1,315.45$54,917.42
2040 Total$13,317.08$2,468.32$15,785.4
256Jan 2041$1,133.76$181.69$1,315.45$53,783.66
257Feb 2041$1,137.52$177.93$1,315.45$52,646.14
258Mar 2041$1,141.28$174.17$1,315.45$51,504.86
259Apr 2041$1,145.05$170.40$1,315.45$50,359.81
260May 2041$1,148.84$166.61$1,315.45$49,210.97
261Jun 2041$1,152.64$162.81$1,315.45$48,058.33
262Jul 2041$1,156.46$158.99$1,315.45$46,901.87
263Aug 2041$1,160.28$155.17$1,315.45$45,741.59
264Sep 2041$1,164.12$151.33$1,315.45$44,577.47
265Oct 2041$1,167.97$147.48$1,315.45$43,409.50
266Nov 2041$1,171.84$143.61$1,315.45$42,237.66
267Dec 2041$1,175.71$139.74$1,315.45$41,061.95
2041 Total$13,855.47$1,929.93$15,785.4
268Jan 2042$1,179.60$135.85$1,315.45$39,882.35
269Feb 2042$1,183.51$131.94$1,315.45$38,698.84
270Mar 2042$1,187.42$128.03$1,315.45$37,511.42
271Apr 2042$1,191.35$124.10$1,315.45$36,320.07
272May 2042$1,195.29$120.16$1,315.45$35,124.78
273Jun 2042$1,199.25$116.20$1,315.45$33,925.53
274Jul 2042$1,203.21$112.24$1,315.45$32,722.32
275Aug 2042$1,207.19$108.26$1,315.45$31,515.13
276Sep 2042$1,211.19$104.26$1,315.45$30,303.94
277Oct 2042$1,215.19$100.26$1,315.45$29,088.75
278Nov 2042$1,219.21$96.24$1,315.45$27,869.54
279Dec 2042$1,223.25$92.20$1,315.45$26,646.29
2042 Total$14,415.66$1,369.74$15,785.4
280Jan 2043$1,227.30$88.15$1,315.45$25,418.99
281Feb 2043$1,231.36$84.09$1,315.45$24,187.63
282Mar 2043$1,235.43$80.02$1,315.45$22,952.20
283Apr 2043$1,239.52$75.93$1,315.45$21,712.68
284May 2043$1,243.62$71.83$1,315.45$20,469.06
285Jun 2043$1,247.73$67.72$1,315.45$19,221.33
286Jul 2043$1,251.86$63.59$1,315.45$17,969.47
287Aug 2043$1,256.00$59.45$1,315.45$16,713.47
288Sep 2043$1,260.16$55.29$1,315.45$15,453.31
289Oct 2043$1,264.33$51.12$1,315.45$14,188.98
290Nov 2043$1,268.51$46.94$1,315.45$12,920.47
291Dec 2043$1,272.70$42.75$1,315.45$11,647.77
2043 Total$14,998.52$786.88$15,785.4
292Jan 2044$1,276.92$38.53$1,315.45$10,370.85
293Feb 2044$1,281.14$34.31$1,315.45$9,089.71
294Mar 2044$1,285.38$30.07$1,315.45$7,804.33
295Apr 2044$1,289.63$25.82$1,315.45$6,514.70
296May 2044$1,293.90$21.55$1,315.45$5,220.80
297Jun 2044$1,298.18$17.27$1,315.45$3,922.62
298Jul 2044$1,302.47$12.98$1,315.45$2,620.15
299Aug 2044$1,306.78$8.67$1,315.45$1,313.37
300Sep 2044$1,311.10$4.35$1,315.45$2.27
2044 Total$11,645.5$193.55$11,839.05
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