Home Advantage Variable Home Loan ($250k-$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
3.32%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,228
Number of Repayments
300
Total Interest Paid
$118,400
Total repayments
$368,400
DatePrincipleInterestPaymentBalance
2019 Total$0$0$0
1Jan 2020$535.88$691.67$1,227.55$249,464.12
2Feb 2020$537.37$690.18$1,227.55$248,926.75
3Mar 2020$538.85$688.70$1,227.55$248,387.90
4Apr 2020$540.34$687.21$1,227.55$247,847.56
5May 2020$541.84$685.71$1,227.55$247,305.72
6Jun 2020$543.34$684.21$1,227.55$246,762.38
7Jul 2020$544.84$682.71$1,227.55$246,217.54
8Aug 2020$546.35$681.20$1,227.55$245,671.19
9Sep 2020$547.86$679.69$1,227.55$245,123.33
10Oct 2020$549.38$678.17$1,227.55$244,573.95
11Nov 2020$550.90$676.65$1,227.55$244,023.05
12Dec 2020$552.42$675.13$1,227.55$243,470.63
2020 Total$6,529.37$8,201.23$14,730.6
13Jan 2021$553.95$673.60$1,227.55$242,916.68
14Feb 2021$555.48$672.07$1,227.55$242,361.20
15Mar 2021$557.02$670.53$1,227.55$241,804.18
16Apr 2021$558.56$668.99$1,227.55$241,245.62
17May 2021$560.10$667.45$1,227.55$240,685.52
18Jun 2021$561.65$665.90$1,227.55$240,123.87
19Jul 2021$563.21$664.34$1,227.55$239,560.66
20Aug 2021$564.77$662.78$1,227.55$238,995.89
21Sep 2021$566.33$661.22$1,227.55$238,429.56
22Oct 2021$567.89$659.66$1,227.55$237,861.67
23Nov 2021$569.47$658.08$1,227.55$237,292.20
24Dec 2021$571.04$656.51$1,227.55$236,721.16
2021 Total$6,749.47$7,981.13$14,730.6
25Jan 2022$572.62$654.93$1,227.55$236,148.54
26Feb 2022$574.21$653.34$1,227.55$235,574.33
27Mar 2022$575.79$651.76$1,227.55$234,998.54
28Apr 2022$577.39$650.16$1,227.55$234,421.15
29May 2022$578.98$648.57$1,227.55$233,842.17
30Jun 2022$580.59$646.96$1,227.55$233,261.58
31Jul 2022$582.19$645.36$1,227.55$232,679.39
32Aug 2022$583.80$643.75$1,227.55$232,095.59
33Sep 2022$585.42$642.13$1,227.55$231,510.17
34Oct 2022$587.04$640.51$1,227.55$230,923.13
35Nov 2022$588.66$638.89$1,227.55$230,334.47
36Dec 2022$590.29$637.26$1,227.55$229,744.18
2022 Total$6,976.98$7,753.62$14,730.6
37Jan 2023$591.92$635.63$1,227.55$229,152.26
38Feb 2023$593.56$633.99$1,227.55$228,558.70
39Mar 2023$595.20$632.35$1,227.55$227,963.50
40Apr 2023$596.85$630.70$1,227.55$227,366.65
41May 2023$598.50$629.05$1,227.55$226,768.15
42Jun 2023$600.16$627.39$1,227.55$226,167.99
43Jul 2023$601.82$625.73$1,227.55$225,566.17
44Aug 2023$603.48$624.07$1,227.55$224,962.69
45Sep 2023$605.15$622.40$1,227.55$224,357.54
46Oct 2023$606.83$620.72$1,227.55$223,750.71
47Nov 2023$608.51$619.04$1,227.55$223,142.20
48Dec 2023$610.19$617.36$1,227.55$222,532.01
2023 Total$7,212.17$7,518.43$14,730.6
49Jan 2024$611.88$615.67$1,227.55$221,920.13
50Feb 2024$613.57$613.98$1,227.55$221,306.56
51Mar 2024$615.27$612.28$1,227.55$220,691.29
52Apr 2024$616.97$610.58$1,227.55$220,074.32
53May 2024$618.68$608.87$1,227.55$219,455.64
54Jun 2024$620.39$607.16$1,227.55$218,835.25
55Jul 2024$622.11$605.44$1,227.55$218,213.14
56Aug 2024$623.83$603.72$1,227.55$217,589.31
57Sep 2024$625.55$602.00$1,227.55$216,963.76
58Oct 2024$627.28$600.27$1,227.55$216,336.48
59Nov 2024$629.02$598.53$1,227.55$215,707.46
60Dec 2024$630.76$596.79$1,227.55$215,076.70
2024 Total$7,455.31$7,275.29$14,730.6
61Jan 2025$632.50$595.05$1,227.55$214,444.20
62Feb 2025$634.25$593.30$1,227.55$213,809.95
63Mar 2025$636.01$591.54$1,227.55$213,173.94
64Apr 2025$637.77$589.78$1,227.55$212,536.17
65May 2025$639.53$588.02$1,227.55$211,896.64
66Jun 2025$641.30$586.25$1,227.55$211,255.34
67Jul 2025$643.08$584.47$1,227.55$210,612.26
68Aug 2025$644.86$582.69$1,227.55$209,967.40
69Sep 2025$646.64$580.91$1,227.55$209,320.76
70Oct 2025$648.43$579.12$1,227.55$208,672.33
71Nov 2025$650.22$577.33$1,227.55$208,022.11
72Dec 2025$652.02$575.53$1,227.55$207,370.09
2025 Total$7,706.61$7,023.99$14,730.6
73Jan 2026$653.83$573.72$1,227.55$206,716.26
74Feb 2026$655.64$571.91$1,227.55$206,060.62
75Mar 2026$657.45$570.10$1,227.55$205,403.17
76Apr 2026$659.27$568.28$1,227.55$204,743.90
77May 2026$661.09$566.46$1,227.55$204,082.81
78Jun 2026$662.92$564.63$1,227.55$203,419.89
79Jul 2026$664.75$562.80$1,227.55$202,755.14
80Aug 2026$666.59$560.96$1,227.55$202,088.55
81Sep 2026$668.44$559.11$1,227.55$201,420.11
82Oct 2026$670.29$557.26$1,227.55$200,749.82
83Nov 2026$672.14$555.41$1,227.55$200,077.68
84Dec 2026$674.00$553.55$1,227.55$199,403.68
2026 Total$7,966.41$6,764.19$14,730.6
85Jan 2027$675.87$551.68$1,227.55$198,727.81
86Feb 2027$677.74$549.81$1,227.55$198,050.07
87Mar 2027$679.61$547.94$1,227.55$197,370.46
88Apr 2027$681.49$546.06$1,227.55$196,688.97
89May 2027$683.38$544.17$1,227.55$196,005.59
90Jun 2027$685.27$542.28$1,227.55$195,320.32
91Jul 2027$687.16$540.39$1,227.55$194,633.16
92Aug 2027$689.06$538.49$1,227.55$193,944.10
93Sep 2027$690.97$536.58$1,227.55$193,253.13
94Oct 2027$692.88$534.67$1,227.55$192,560.25
95Nov 2027$694.80$532.75$1,227.55$191,865.45
96Dec 2027$696.72$530.83$1,227.55$191,168.73
2027 Total$8,234.95$6,495.65$14,730.6
97Jan 2028$698.65$528.90$1,227.55$190,470.08
98Feb 2028$700.58$526.97$1,227.55$189,769.50
99Mar 2028$702.52$525.03$1,227.55$189,066.98
100Apr 2028$704.46$523.09$1,227.55$188,362.52
101May 2028$706.41$521.14$1,227.55$187,656.11
102Jun 2028$708.37$519.18$1,227.55$186,947.74
103Jul 2028$710.33$517.22$1,227.55$186,237.41
104Aug 2028$712.29$515.26$1,227.55$185,525.12
105Sep 2028$714.26$513.29$1,227.55$184,810.86
106Oct 2028$716.24$511.31$1,227.55$184,094.62
107Nov 2028$718.22$509.33$1,227.55$183,376.40
108Dec 2028$720.21$507.34$1,227.55$182,656.19
2028 Total$8,512.54$6,218.06$14,730.6
109Jan 2029$722.20$505.35$1,227.55$181,933.99
110Feb 2029$724.20$503.35$1,227.55$181,209.79
111Mar 2029$726.20$501.35$1,227.55$180,483.59
112Apr 2029$728.21$499.34$1,227.55$179,755.38
113May 2029$730.23$497.32$1,227.55$179,025.15
114Jun 2029$732.25$495.30$1,227.55$178,292.90
115Jul 2029$734.27$493.28$1,227.55$177,558.63
116Aug 2029$736.30$491.25$1,227.55$176,822.33
117Sep 2029$738.34$489.21$1,227.55$176,083.99
118Oct 2029$740.38$487.17$1,227.55$175,343.61
119Nov 2029$742.43$485.12$1,227.55$174,601.18
120Dec 2029$744.49$483.06$1,227.55$173,856.69
2029 Total$8,799.5$5,931.1$14,730.6
121Jan 2030$746.55$481.00$1,227.55$173,110.14
122Feb 2030$748.61$478.94$1,227.55$172,361.53
123Mar 2030$750.68$476.87$1,227.55$171,610.85
124Apr 2030$752.76$474.79$1,227.55$170,858.09
125May 2030$754.84$472.71$1,227.55$170,103.25
126Jun 2030$756.93$470.62$1,227.55$169,346.32
127Jul 2030$759.03$468.52$1,227.55$168,587.29
128Aug 2030$761.13$466.42$1,227.55$167,826.16
129Sep 2030$763.23$464.32$1,227.55$167,062.93
130Oct 2030$765.34$462.21$1,227.55$166,297.59
131Nov 2030$767.46$460.09$1,227.55$165,530.13
132Dec 2030$769.58$457.97$1,227.55$164,760.55
2030 Total$9,096.14$5,634.46$14,730.6
133Jan 2031$771.71$455.84$1,227.55$163,988.84
134Feb 2031$773.85$453.70$1,227.55$163,214.99
135Mar 2031$775.99$451.56$1,227.55$162,439.00
136Apr 2031$778.14$449.41$1,227.55$161,660.86
137May 2031$780.29$447.26$1,227.55$160,880.57
138Jun 2031$782.45$445.10$1,227.55$160,098.12
139Jul 2031$784.61$442.94$1,227.55$159,313.51
140Aug 2031$786.78$440.77$1,227.55$158,526.73
141Sep 2031$788.96$438.59$1,227.55$157,737.77
142Oct 2031$791.14$436.41$1,227.55$156,946.63
143Nov 2031$793.33$434.22$1,227.55$156,153.30
144Dec 2031$795.53$432.02$1,227.55$155,357.77
2031 Total$9,402.78$5,327.82$14,730.6
145Jan 2032$797.73$429.82$1,227.55$154,560.04
146Feb 2032$799.93$427.62$1,227.55$153,760.11
147Mar 2032$802.15$425.40$1,227.55$152,957.96
148Apr 2032$804.37$423.18$1,227.55$152,153.59
149May 2032$806.59$420.96$1,227.55$151,347.00
150Jun 2032$808.82$418.73$1,227.55$150,538.18
151Jul 2032$811.06$416.49$1,227.55$149,727.12
152Aug 2032$813.30$414.25$1,227.55$148,913.82
153Sep 2032$815.56$411.99$1,227.55$148,098.26
154Oct 2032$817.81$409.74$1,227.55$147,280.45
155Nov 2032$820.07$407.48$1,227.55$146,460.38
156Dec 2032$822.34$405.21$1,227.55$145,638.04
2032 Total$9,719.73$5,010.87$14,730.6
157Jan 2033$824.62$402.93$1,227.55$144,813.42
158Feb 2033$826.90$400.65$1,227.55$143,986.52
159Mar 2033$829.19$398.36$1,227.55$143,157.33
160Apr 2033$831.48$396.07$1,227.55$142,325.85
161May 2033$833.78$393.77$1,227.55$141,492.07
162Jun 2033$836.09$391.46$1,227.55$140,655.98
163Jul 2033$838.40$389.15$1,227.55$139,817.58
164Aug 2033$840.72$386.83$1,227.55$138,976.86
165Sep 2033$843.05$384.50$1,227.55$138,133.81
166Oct 2033$845.38$382.17$1,227.55$137,288.43
167Nov 2033$847.72$379.83$1,227.55$136,440.71
168Dec 2033$850.06$377.49$1,227.55$135,590.65
2033 Total$10,047.39$4,683.21$14,730.6
169Jan 2034$852.42$375.13$1,227.55$134,738.23
170Feb 2034$854.77$372.78$1,227.55$133,883.46
171Mar 2034$857.14$370.41$1,227.55$133,026.32
172Apr 2034$859.51$368.04$1,227.55$132,166.81
173May 2034$861.89$365.66$1,227.55$131,304.92
174Jun 2034$864.27$363.28$1,227.55$130,440.65
175Jul 2034$866.66$360.89$1,227.55$129,573.99
176Aug 2034$869.06$358.49$1,227.55$128,704.93
177Sep 2034$871.47$356.08$1,227.55$127,833.46
178Oct 2034$873.88$353.67$1,227.55$126,959.58
179Nov 2034$876.30$351.25$1,227.55$126,083.28
180Dec 2034$878.72$348.83$1,227.55$125,204.56
2034 Total$10,386.09$4,344.51$14,730.6
181Jan 2035$881.15$346.40$1,227.55$124,323.41
182Feb 2035$883.59$343.96$1,227.55$123,439.82
183Mar 2035$886.03$341.52$1,227.55$122,553.79
184Apr 2035$888.48$339.07$1,227.55$121,665.31
185May 2035$890.94$336.61$1,227.55$120,774.37
186Jun 2035$893.41$334.14$1,227.55$119,880.96
187Jul 2035$895.88$331.67$1,227.55$118,985.08
188Aug 2035$898.36$329.19$1,227.55$118,086.72
189Sep 2035$900.84$326.71$1,227.55$117,185.88
190Oct 2035$903.34$324.21$1,227.55$116,282.54
191Nov 2035$905.83$321.72$1,227.55$115,376.71
192Dec 2035$908.34$319.21$1,227.55$114,468.37
2035 Total$10,736.19$3,994.41$14,730.6
193Jan 2036$910.85$316.70$1,227.55$113,557.52
194Feb 2036$913.37$314.18$1,227.55$112,644.15
195Mar 2036$915.90$311.65$1,227.55$111,728.25
196Apr 2036$918.44$309.11$1,227.55$110,809.81
197May 2036$920.98$306.57$1,227.55$109,888.83
198Jun 2036$923.52$304.03$1,227.55$108,965.31
199Jul 2036$926.08$301.47$1,227.55$108,039.23
200Aug 2036$928.64$298.91$1,227.55$107,110.59
201Sep 2036$931.21$296.34$1,227.55$106,179.38
202Oct 2036$933.79$293.76$1,227.55$105,245.59
203Nov 2036$936.37$291.18$1,227.55$104,309.22
204Dec 2036$938.96$288.59$1,227.55$103,370.26
2036 Total$11,098.11$3,632.49$14,730.6
205Jan 2037$941.56$285.99$1,227.55$102,428.70
206Feb 2037$944.16$283.39$1,227.55$101,484.54
207Mar 2037$946.78$280.77$1,227.55$100,537.76
208Apr 2037$949.40$278.15$1,227.55$99,588.36
209May 2037$952.02$275.53$1,227.55$98,636.34
210Jun 2037$954.66$272.89$1,227.55$97,681.68
211Jul 2037$957.30$270.25$1,227.55$96,724.38
212Aug 2037$959.95$267.60$1,227.55$95,764.43
213Sep 2037$962.60$264.95$1,227.55$94,801.83
214Oct 2037$965.26$262.29$1,227.55$93,836.57
215Nov 2037$967.94$259.61$1,227.55$92,868.63
216Dec 2037$970.61$256.94$1,227.55$91,898.02
2037 Total$11,472.24$3,258.36$14,730.6
217Jan 2038$973.30$254.25$1,227.55$90,924.72
218Feb 2038$975.99$251.56$1,227.55$89,948.73
219Mar 2038$978.69$248.86$1,227.55$88,970.04
220Apr 2038$981.40$246.15$1,227.55$87,988.64
221May 2038$984.11$243.44$1,227.55$87,004.53
222Jun 2038$986.84$240.71$1,227.55$86,017.69
223Jul 2038$989.57$237.98$1,227.55$85,028.12
224Aug 2038$992.31$235.24$1,227.55$84,035.81
225Sep 2038$995.05$232.50$1,227.55$83,040.76
226Oct 2038$997.80$229.75$1,227.55$82,042.96
227Nov 2038$1,000.56$226.99$1,227.55$81,042.40
228Dec 2038$1,003.33$224.22$1,227.55$80,039.07
2038 Total$11,858.95$2,871.65$14,730.6
229Jan 2039$1,006.11$221.44$1,227.55$79,032.96
230Feb 2039$1,008.89$218.66$1,227.55$78,024.07
231Mar 2039$1,011.68$215.87$1,227.55$77,012.39
232Apr 2039$1,014.48$213.07$1,227.55$75,997.91
233May 2039$1,017.29$210.26$1,227.55$74,980.62
234Jun 2039$1,020.10$207.45$1,227.55$73,960.52
235Jul 2039$1,022.93$204.62$1,227.55$72,937.59
236Aug 2039$1,025.76$201.79$1,227.55$71,911.83
237Sep 2039$1,028.59$198.96$1,227.55$70,883.24
238Oct 2039$1,031.44$196.11$1,227.55$69,851.80
239Nov 2039$1,034.29$193.26$1,227.55$68,817.51
240Dec 2039$1,037.15$190.40$1,227.55$67,780.36
2039 Total$12,258.71$2,471.89$14,730.6
241Jan 2040$1,040.02$187.53$1,227.55$66,740.34
242Feb 2040$1,042.90$184.65$1,227.55$65,697.44
243Mar 2040$1,045.79$181.76$1,227.55$64,651.65
244Apr 2040$1,048.68$178.87$1,227.55$63,602.97
245May 2040$1,051.58$175.97$1,227.55$62,551.39
246Jun 2040$1,054.49$173.06$1,227.55$61,496.90
247Jul 2040$1,057.41$170.14$1,227.55$60,439.49
248Aug 2040$1,060.33$167.22$1,227.55$59,379.16
249Sep 2040$1,063.27$164.28$1,227.55$58,315.89
250Oct 2040$1,066.21$161.34$1,227.55$57,249.68
251Nov 2040$1,069.16$158.39$1,227.55$56,180.52
252Dec 2040$1,072.12$155.43$1,227.55$55,108.40
2040 Total$12,671.96$2,058.64$14,730.6
253Jan 2041$1,075.08$152.47$1,227.55$54,033.32
254Feb 2041$1,078.06$149.49$1,227.55$52,955.26
255Mar 2041$1,081.04$146.51$1,227.55$51,874.22
256Apr 2041$1,084.03$143.52$1,227.55$50,790.19
257May 2041$1,087.03$140.52$1,227.55$49,703.16
258Jun 2041$1,090.04$137.51$1,227.55$48,613.12
259Jul 2041$1,093.05$134.50$1,227.55$47,520.07
260Aug 2041$1,096.08$131.47$1,227.55$46,423.99
261Sep 2041$1,099.11$128.44$1,227.55$45,324.88
262Oct 2041$1,102.15$125.40$1,227.55$44,222.73
263Nov 2041$1,105.20$122.35$1,227.55$43,117.53
264Dec 2041$1,108.26$119.29$1,227.55$42,009.27
2041 Total$13,099.13$1,631.47$14,730.6
265Jan 2042$1,111.32$116.23$1,227.55$40,897.95
266Feb 2042$1,114.40$113.15$1,227.55$39,783.55
267Mar 2042$1,117.48$110.07$1,227.55$38,666.07
268Apr 2042$1,120.57$106.98$1,227.55$37,545.50
269May 2042$1,123.67$103.88$1,227.55$36,421.83
270Jun 2042$1,126.78$100.77$1,227.55$35,295.05
271Jul 2042$1,129.90$97.65$1,227.55$34,165.15
272Aug 2042$1,133.03$94.52$1,227.55$33,032.12
273Sep 2042$1,136.16$91.39$1,227.55$31,895.96
274Oct 2042$1,139.30$88.25$1,227.55$30,756.66
275Nov 2042$1,142.46$85.09$1,227.55$29,614.20
276Dec 2042$1,145.62$81.93$1,227.55$28,468.58
2042 Total$13,540.69$1,189.91$14,730.6
277Jan 2043$1,148.79$78.76$1,227.55$27,319.79
278Feb 2043$1,151.97$75.58$1,227.55$26,167.82
279Mar 2043$1,155.15$72.40$1,227.55$25,012.67
280Apr 2043$1,158.35$69.20$1,227.55$23,854.32
281May 2043$1,161.55$66.00$1,227.55$22,692.77
282Jun 2043$1,164.77$62.78$1,227.55$21,528.00
283Jul 2043$1,167.99$59.56$1,227.55$20,360.01
284Aug 2043$1,171.22$56.33$1,227.55$19,188.79
285Sep 2043$1,174.46$53.09$1,227.55$18,014.33
286Oct 2043$1,177.71$49.84$1,227.55$16,836.62
287Nov 2043$1,180.97$46.58$1,227.55$15,655.65
288Dec 2043$1,184.24$43.31$1,227.55$14,471.41
2043 Total$13,997.17$733.43$14,730.6
289Jan 2044$1,187.51$40.04$1,227.55$13,283.90
290Feb 2044$1,190.80$36.75$1,227.55$12,093.10
291Mar 2044$1,194.09$33.46$1,227.55$10,899.01
292Apr 2044$1,197.40$30.15$1,227.55$9,701.61
293May 2044$1,200.71$26.84$1,227.55$8,500.90
294Jun 2044$1,204.03$23.52$1,227.55$7,296.87
295Jul 2044$1,207.36$20.19$1,227.55$6,089.51
296Aug 2044$1,210.70$16.85$1,227.55$4,878.81
297Sep 2044$1,214.05$13.50$1,227.55$3,664.76
298Oct 2044$1,217.41$10.14$1,227.55$2,447.35
299Nov 2044$1,220.78$6.77$1,227.55$1,226.57
300Dec 2044$1,224.16$3.39$1,227.55$2.41
2044 Total$14,469$261.6$14,730.6
Compare your product with the big 4 banks, or add more products to compare
As seen on