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
$300,000
Advertised rate
3.82%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$955
Number of Repayments
300
Total Interest Paid
$-13,500
Total repayments
$286,500
DatePrincipleInterestPaymentBalance
1Dec 2019$598.85$955.00$1,553.85$299,401.15
2019 Total$598.85$955$1,553.85
2Jan 2020$600.76$953.09$1,553.85$298,800.39
3Feb 2020$602.67$951.18$1,553.85$298,197.72
4Mar 2020$604.59$949.26$1,553.85$297,593.13
5Apr 2020$606.51$947.34$1,553.85$296,986.62
6May 2020$608.44$945.41$1,553.85$296,378.18
7Jun 2020$610.38$943.47$1,553.85$295,767.80
8Jul 2020$612.32$941.53$1,553.85$295,155.48
9Aug 2020$614.27$939.58$1,553.85$294,541.21
10Sep 2020$616.23$937.62$1,553.85$293,924.98
11Oct 2020$618.19$935.66$1,553.85$293,306.79
12Nov 2020$620.16$933.69$1,553.85$292,686.63
13Dec 2020$622.13$931.72$1,553.85$292,064.50
2020 Total$7,336.65$11,309.55$18,646.2
14Jan 2021$624.11$929.74$1,553.85$291,440.39
15Feb 2021$626.10$927.75$1,553.85$290,814.29
16Mar 2021$628.09$925.76$1,553.85$290,186.20
17Apr 2021$630.09$923.76$1,553.85$289,556.11
18May 2021$632.10$921.75$1,553.85$288,924.01
19Jun 2021$634.11$919.74$1,553.85$288,289.90
20Jul 2021$636.13$917.72$1,553.85$287,653.77
21Aug 2021$638.15$915.70$1,553.85$287,015.62
22Sep 2021$640.18$913.67$1,553.85$286,375.44
23Oct 2021$642.22$911.63$1,553.85$285,733.22
24Nov 2021$644.27$909.58$1,553.85$285,088.95
25Dec 2021$646.32$907.53$1,553.85$284,442.63
2021 Total$7,621.87$11,024.33$18,646.2
26Jan 2022$648.37$905.48$1,553.85$283,794.26
27Feb 2022$650.44$903.41$1,553.85$283,143.82
28Mar 2022$652.51$901.34$1,553.85$282,491.31
29Apr 2022$654.59$899.26$1,553.85$281,836.72
30May 2022$656.67$897.18$1,553.85$281,180.05
31Jun 2022$658.76$895.09$1,553.85$280,521.29
32Jul 2022$660.86$892.99$1,553.85$279,860.43
33Aug 2022$662.96$890.89$1,553.85$279,197.47
34Sep 2022$665.07$888.78$1,553.85$278,532.40
35Oct 2022$667.19$886.66$1,553.85$277,865.21
36Nov 2022$669.31$884.54$1,553.85$277,195.90
37Dec 2022$671.44$882.41$1,553.85$276,524.46
2022 Total$7,918.17$10,728.03$18,646.2
38Jan 2023$673.58$880.27$1,553.85$275,850.88
39Feb 2023$675.72$878.13$1,553.85$275,175.16
40Mar 2023$677.88$875.97$1,553.85$274,497.28
41Apr 2023$680.03$873.82$1,553.85$273,817.25
42May 2023$682.20$871.65$1,553.85$273,135.05
43Jun 2023$684.37$869.48$1,553.85$272,450.68
44Jul 2023$686.55$867.30$1,553.85$271,764.13
45Aug 2023$688.73$865.12$1,553.85$271,075.40
46Sep 2023$690.93$862.92$1,553.85$270,384.47
47Oct 2023$693.13$860.72$1,553.85$269,691.34
48Nov 2023$695.33$858.52$1,553.85$268,996.01
49Dec 2023$697.55$856.30$1,553.85$268,298.46
2023 Total$8,226$10,420.2$18,646.2
50Jan 2024$699.77$854.08$1,553.85$267,598.69
51Feb 2024$701.99$851.86$1,553.85$266,896.70
52Mar 2024$704.23$849.62$1,553.85$266,192.47
53Apr 2024$706.47$847.38$1,553.85$265,486.00
54May 2024$708.72$845.13$1,553.85$264,777.28
55Jun 2024$710.98$842.87$1,553.85$264,066.30
56Jul 2024$713.24$840.61$1,553.85$263,353.06
57Aug 2024$715.51$838.34$1,553.85$262,637.55
58Sep 2024$717.79$836.06$1,553.85$261,919.76
59Oct 2024$720.07$833.78$1,553.85$261,199.69
60Nov 2024$722.36$831.49$1,553.85$260,477.33
61Dec 2024$724.66$829.19$1,553.85$259,752.67
2024 Total$8,545.79$10,100.41$18,646.2
62Jan 2025$726.97$826.88$1,553.85$259,025.70
63Feb 2025$729.28$824.57$1,553.85$258,296.42
64Mar 2025$731.61$822.24$1,553.85$257,564.81
65Apr 2025$733.94$819.91$1,553.85$256,830.87
66May 2025$736.27$817.58$1,553.85$256,094.60
67Jun 2025$738.62$815.23$1,553.85$255,355.98
68Jul 2025$740.97$812.88$1,553.85$254,615.01
69Aug 2025$743.33$810.52$1,553.85$253,871.68
70Sep 2025$745.69$808.16$1,553.85$253,125.99
71Oct 2025$748.07$805.78$1,553.85$252,377.92
72Nov 2025$750.45$803.40$1,553.85$251,627.47
73Dec 2025$752.84$801.01$1,553.85$250,874.63
2025 Total$8,878.04$9,768.16$18,646.2
74Jan 2026$755.23$798.62$1,553.85$250,119.40
75Feb 2026$757.64$796.21$1,553.85$249,361.76
76Mar 2026$760.05$793.80$1,553.85$248,601.71
77Apr 2026$762.47$791.38$1,553.85$247,839.24
78May 2026$764.90$788.95$1,553.85$247,074.34
79Jun 2026$767.33$786.52$1,553.85$246,307.01
80Jul 2026$769.77$784.08$1,553.85$245,537.24
81Aug 2026$772.22$781.63$1,553.85$244,765.02
82Sep 2026$774.68$779.17$1,553.85$243,990.34
83Oct 2026$777.15$776.70$1,553.85$243,213.19
84Nov 2026$779.62$774.23$1,553.85$242,433.57
85Dec 2026$782.10$771.75$1,553.85$241,651.47
2026 Total$9,223.16$9,423.04$18,646.2
86Jan 2027$784.59$769.26$1,553.85$240,866.88
87Feb 2027$787.09$766.76$1,553.85$240,079.79
88Mar 2027$789.60$764.25$1,553.85$239,290.19
89Apr 2027$792.11$761.74$1,553.85$238,498.08
90May 2027$794.63$759.22$1,553.85$237,703.45
91Jun 2027$797.16$756.69$1,553.85$236,906.29
92Jul 2027$799.70$754.15$1,553.85$236,106.59
93Aug 2027$802.24$751.61$1,553.85$235,304.35
94Sep 2027$804.80$749.05$1,553.85$234,499.55
95Oct 2027$807.36$746.49$1,553.85$233,692.19
96Nov 2027$809.93$743.92$1,553.85$232,882.26
97Dec 2027$812.51$741.34$1,553.85$232,069.75
2027 Total$9,581.72$9,064.48$18,646.2
98Jan 2028$815.09$738.76$1,553.85$231,254.66
99Feb 2028$817.69$736.16$1,553.85$230,436.97
100Mar 2028$820.29$733.56$1,553.85$229,616.68
101Apr 2028$822.90$730.95$1,553.85$228,793.78
102May 2028$825.52$728.33$1,553.85$227,968.26
103Jun 2028$828.15$725.70$1,553.85$227,140.11
104Jul 2028$830.79$723.06$1,553.85$226,309.32
105Aug 2028$833.43$720.42$1,553.85$225,475.89
106Sep 2028$836.09$717.76$1,553.85$224,639.80
107Oct 2028$838.75$715.10$1,553.85$223,801.05
108Nov 2028$841.42$712.43$1,553.85$222,959.63
109Dec 2028$844.10$709.75$1,553.85$222,115.53
2028 Total$9,954.22$8,691.98$18,646.2
110Jan 2029$846.78$707.07$1,553.85$221,268.75
111Feb 2029$849.48$704.37$1,553.85$220,419.27
112Mar 2029$852.18$701.67$1,553.85$219,567.09
113Apr 2029$854.89$698.96$1,553.85$218,712.20
114May 2029$857.62$696.23$1,553.85$217,854.58
115Jun 2029$860.35$693.50$1,553.85$216,994.23
116Jul 2029$863.09$690.76$1,553.85$216,131.14
117Aug 2029$865.83$688.02$1,553.85$215,265.31
118Sep 2029$868.59$685.26$1,553.85$214,396.72
119Oct 2029$871.35$682.50$1,553.85$213,525.37
120Nov 2029$874.13$679.72$1,553.85$212,651.24
121Dec 2029$876.91$676.94$1,553.85$211,774.33
2029 Total$10,341.2$8,305$18,646.2
122Jan 2030$879.70$674.15$1,553.85$210,894.63
123Feb 2030$882.50$671.35$1,553.85$210,012.13
124Mar 2030$885.31$668.54$1,553.85$209,126.82
125Apr 2030$888.13$665.72$1,553.85$208,238.69
126May 2030$890.96$662.89$1,553.85$207,347.73
127Jun 2030$893.79$660.06$1,553.85$206,453.94
128Jul 2030$896.64$657.21$1,553.85$205,557.30
129Aug 2030$899.49$654.36$1,553.85$204,657.81
130Sep 2030$902.36$651.49$1,553.85$203,755.45
131Oct 2030$905.23$648.62$1,553.85$202,850.22
132Nov 2030$908.11$645.74$1,553.85$201,942.11
133Dec 2030$911.00$642.85$1,553.85$201,031.11
2030 Total$10,743.22$7,902.98$18,646.2
134Jan 2031$913.90$639.95$1,553.85$200,117.21
135Feb 2031$916.81$637.04$1,553.85$199,200.40
136Mar 2031$919.73$634.12$1,553.85$198,280.67
137Apr 2031$922.66$631.19$1,553.85$197,358.01
138May 2031$925.59$628.26$1,553.85$196,432.42
139Jun 2031$928.54$625.31$1,553.85$195,503.88
140Jul 2031$931.50$622.35$1,553.85$194,572.38
141Aug 2031$934.46$619.39$1,553.85$193,637.92
142Sep 2031$937.44$616.41$1,553.85$192,700.48
143Oct 2031$940.42$613.43$1,553.85$191,760.06
144Nov 2031$943.41$610.44$1,553.85$190,816.65
145Dec 2031$946.42$607.43$1,553.85$189,870.23
2031 Total$11,160.88$7,485.32$18,646.2
146Jan 2032$949.43$604.42$1,553.85$188,920.80
147Feb 2032$952.45$601.40$1,553.85$187,968.35
148Mar 2032$955.48$598.37$1,553.85$187,012.87
149Apr 2032$958.53$595.32$1,553.85$186,054.34
150May 2032$961.58$592.27$1,553.85$185,092.76
151Jun 2032$964.64$589.21$1,553.85$184,128.12
152Jul 2032$967.71$586.14$1,553.85$183,160.41
153Aug 2032$970.79$583.06$1,553.85$182,189.62
154Sep 2032$973.88$579.97$1,553.85$181,215.74
155Oct 2032$976.98$576.87$1,553.85$180,238.76
156Nov 2032$980.09$573.76$1,553.85$179,258.67
157Dec 2032$983.21$570.64$1,553.85$178,275.46
2032 Total$11,594.77$7,051.43$18,646.2
158Jan 2033$986.34$567.51$1,553.85$177,289.12
159Feb 2033$989.48$564.37$1,553.85$176,299.64
160Mar 2033$992.63$561.22$1,553.85$175,307.01
161Apr 2033$995.79$558.06$1,553.85$174,311.22
162May 2033$998.96$554.89$1,553.85$173,312.26
163Jun 2033$1,002.14$551.71$1,553.85$172,310.12
164Jul 2033$1,005.33$548.52$1,553.85$171,304.79
165Aug 2033$1,008.53$545.32$1,553.85$170,296.26
166Sep 2033$1,011.74$542.11$1,553.85$169,284.52
167Oct 2033$1,014.96$538.89$1,553.85$168,269.56
168Nov 2033$1,018.19$535.66$1,553.85$167,251.37
169Dec 2033$1,021.43$532.42$1,553.85$166,229.94
2033 Total$12,045.52$6,600.68$18,646.2
170Jan 2034$1,024.68$529.17$1,553.85$165,205.26
171Feb 2034$1,027.95$525.90$1,553.85$164,177.31
172Mar 2034$1,031.22$522.63$1,553.85$163,146.09
173Apr 2034$1,034.50$519.35$1,553.85$162,111.59
174May 2034$1,037.79$516.06$1,553.85$161,073.80
175Jun 2034$1,041.10$512.75$1,553.85$160,032.70
176Jul 2034$1,044.41$509.44$1,553.85$158,988.29
177Aug 2034$1,047.74$506.11$1,553.85$157,940.55
178Sep 2034$1,051.07$502.78$1,553.85$156,889.48
179Oct 2034$1,054.42$499.43$1,553.85$155,835.06
180Nov 2034$1,057.78$496.07$1,553.85$154,777.28
181Dec 2034$1,061.14$492.71$1,553.85$153,716.14
2034 Total$12,513.8$6,132.4$18,646.2
182Jan 2035$1,064.52$489.33$1,553.85$152,651.62
183Feb 2035$1,067.91$485.94$1,553.85$151,583.71
184Mar 2035$1,071.31$482.54$1,553.85$150,512.40
185Apr 2035$1,074.72$479.13$1,553.85$149,437.68
186May 2035$1,078.14$475.71$1,553.85$148,359.54
187Jun 2035$1,081.57$472.28$1,553.85$147,277.97
188Jul 2035$1,085.02$468.83$1,553.85$146,192.95
189Aug 2035$1,088.47$465.38$1,553.85$145,104.48
190Sep 2035$1,091.93$461.92$1,553.85$144,012.55
191Oct 2035$1,095.41$458.44$1,553.85$142,917.14
192Nov 2035$1,098.90$454.95$1,553.85$141,818.24
193Dec 2035$1,102.40$451.45$1,553.85$140,715.84
2035 Total$13,000.3$5,645.9$18,646.2
194Jan 2036$1,105.90$447.95$1,553.85$139,609.94
195Feb 2036$1,109.43$444.42$1,553.85$138,500.51
196Mar 2036$1,112.96$440.89$1,553.85$137,387.55
197Apr 2036$1,116.50$437.35$1,553.85$136,271.05
198May 2036$1,120.05$433.80$1,553.85$135,151.00
199Jun 2036$1,123.62$430.23$1,553.85$134,027.38
200Jul 2036$1,127.20$426.65$1,553.85$132,900.18
201Aug 2036$1,130.78$423.07$1,553.85$131,769.40
202Sep 2036$1,134.38$419.47$1,553.85$130,635.02
203Oct 2036$1,138.00$415.85$1,553.85$129,497.02
204Nov 2036$1,141.62$412.23$1,553.85$128,355.40
205Dec 2036$1,145.25$408.60$1,553.85$127,210.15
2036 Total$13,505.69$5,140.51$18,646.2
206Jan 2037$1,148.90$404.95$1,553.85$126,061.25
207Feb 2037$1,152.56$401.29$1,553.85$124,908.69
208Mar 2037$1,156.22$397.63$1,553.85$123,752.47
209Apr 2037$1,159.90$393.95$1,553.85$122,592.57
210May 2037$1,163.60$390.25$1,553.85$121,428.97
211Jun 2037$1,167.30$386.55$1,553.85$120,261.67
212Jul 2037$1,171.02$382.83$1,553.85$119,090.65
213Aug 2037$1,174.74$379.11$1,553.85$117,915.91
214Sep 2037$1,178.48$375.37$1,553.85$116,737.43
215Oct 2037$1,182.24$371.61$1,553.85$115,555.19
216Nov 2037$1,186.00$367.85$1,553.85$114,369.19
217Dec 2037$1,189.77$364.08$1,553.85$113,179.42
2037 Total$14,030.73$4,615.47$18,646.2
218Jan 2038$1,193.56$360.29$1,553.85$111,985.86
219Feb 2038$1,197.36$356.49$1,553.85$110,788.50
220Mar 2038$1,201.17$352.68$1,553.85$109,587.33
221Apr 2038$1,205.00$348.85$1,553.85$108,382.33
222May 2038$1,208.83$345.02$1,553.85$107,173.50
223Jun 2038$1,212.68$341.17$1,553.85$105,960.82
224Jul 2038$1,216.54$337.31$1,553.85$104,744.28
225Aug 2038$1,220.41$333.44$1,553.85$103,523.87
226Sep 2038$1,224.30$329.55$1,553.85$102,299.57
227Oct 2038$1,228.20$325.65$1,553.85$101,071.37
228Nov 2038$1,232.11$321.74$1,553.85$99,839.26
229Dec 2038$1,236.03$317.82$1,553.85$98,603.23
2038 Total$14,576.19$4,070.01$18,646.2
230Jan 2039$1,239.96$313.89$1,553.85$97,363.27
231Feb 2039$1,243.91$309.94$1,553.85$96,119.36
232Mar 2039$1,247.87$305.98$1,553.85$94,871.49
233Apr 2039$1,251.84$302.01$1,553.85$93,619.65
234May 2039$1,255.83$298.02$1,553.85$92,363.82
235Jun 2039$1,259.83$294.02$1,553.85$91,103.99
236Jul 2039$1,263.84$290.01$1,553.85$89,840.15
237Aug 2039$1,267.86$285.99$1,553.85$88,572.29
238Sep 2039$1,271.89$281.96$1,553.85$87,300.40
239Oct 2039$1,275.94$277.91$1,553.85$86,024.46
240Nov 2039$1,280.01$273.84$1,553.85$84,744.45
241Dec 2039$1,284.08$269.77$1,553.85$83,460.37
2039 Total$15,142.86$3,503.34$18,646.2
242Jan 2040$1,288.17$265.68$1,553.85$82,172.20
243Feb 2040$1,292.27$261.58$1,553.85$80,879.93
244Mar 2040$1,296.38$257.47$1,553.85$79,583.55
245Apr 2040$1,300.51$253.34$1,553.85$78,283.04
246May 2040$1,304.65$249.20$1,553.85$76,978.39
247Jun 2040$1,308.80$245.05$1,553.85$75,669.59
248Jul 2040$1,312.97$240.88$1,553.85$74,356.62
249Aug 2040$1,317.15$236.70$1,553.85$73,039.47
250Sep 2040$1,321.34$232.51$1,553.85$71,718.13
251Oct 2040$1,325.55$228.30$1,553.85$70,392.58
252Nov 2040$1,329.77$224.08$1,553.85$69,062.81
253Dec 2040$1,334.00$219.85$1,553.85$67,728.81
2040 Total$15,731.56$2,914.64$18,646.2
254Jan 2041$1,338.25$215.60$1,553.85$66,390.56
255Feb 2041$1,342.51$211.34$1,553.85$65,048.05
256Mar 2041$1,346.78$207.07$1,553.85$63,701.27
257Apr 2041$1,351.07$202.78$1,553.85$62,350.20
258May 2041$1,355.37$198.48$1,553.85$60,994.83
259Jun 2041$1,359.68$194.17$1,553.85$59,635.15
260Jul 2041$1,364.01$189.84$1,553.85$58,271.14
261Aug 2041$1,368.35$185.50$1,553.85$56,902.79
262Sep 2041$1,372.71$181.14$1,553.85$55,530.08
263Oct 2041$1,377.08$176.77$1,553.85$54,153.00
264Nov 2041$1,381.46$172.39$1,553.85$52,771.54
265Dec 2041$1,385.86$167.99$1,553.85$51,385.68
2041 Total$16,343.13$2,303.07$18,646.2
266Jan 2042$1,390.27$163.58$1,553.85$49,995.41
267Feb 2042$1,394.70$159.15$1,553.85$48,600.71
268Mar 2042$1,399.14$154.71$1,553.85$47,201.57
269Apr 2042$1,403.59$150.26$1,553.85$45,797.98
270May 2042$1,408.06$145.79$1,553.85$44,389.92
271Jun 2042$1,412.54$141.31$1,553.85$42,977.38
272Jul 2042$1,417.04$136.81$1,553.85$41,560.34
273Aug 2042$1,421.55$132.30$1,553.85$40,138.79
274Sep 2042$1,426.07$127.78$1,553.85$38,712.72
275Oct 2042$1,430.61$123.24$1,553.85$37,282.11
276Nov 2042$1,435.17$118.68$1,553.85$35,846.94
277Dec 2042$1,439.74$114.11$1,553.85$34,407.20
2042 Total$16,978.48$1,667.72$18,646.2
278Jan 2043$1,444.32$109.53$1,553.85$32,962.88
279Feb 2043$1,448.92$104.93$1,553.85$31,513.96
280Mar 2043$1,453.53$100.32$1,553.85$30,060.43
281Apr 2043$1,458.16$95.69$1,553.85$28,602.27
282May 2043$1,462.80$91.05$1,553.85$27,139.47
283Jun 2043$1,467.46$86.39$1,553.85$25,672.01
284Jul 2043$1,472.13$81.72$1,553.85$24,199.88
285Aug 2043$1,476.81$77.04$1,553.85$22,723.07
286Sep 2043$1,481.51$72.34$1,553.85$21,241.56
287Oct 2043$1,486.23$67.62$1,553.85$19,755.33
288Nov 2043$1,490.96$62.89$1,553.85$18,264.37
289Dec 2043$1,495.71$58.14$1,553.85$16,768.66
2043 Total$17,638.54$1,007.66$18,646.2
290Jan 2044$1,500.47$53.38$1,553.85$15,268.19
291Feb 2044$1,505.25$48.60$1,553.85$13,762.94
292Mar 2044$1,510.04$43.81$1,553.85$12,252.90
293Apr 2044$1,514.84$39.01$1,553.85$10,738.06
294May 2044$1,519.67$34.18$1,553.85$9,218.39
295Jun 2044$1,524.50$29.35$1,553.85$7,693.89
296Jul 2044$1,529.36$24.49$1,553.85$6,164.53
297Aug 2044$1,534.23$19.62$1,553.85$4,630.30
298Sep 2044$1,539.11$14.74$1,553.85$3,091.19
299Oct 2044$1,544.01$9.84$1,553.85$1,547.18
300Nov 2044$1,547.18$4.93$1,552.11$0.00
2044 Total$16,768.66$321.95$17,090.61
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