Value Advantage Package Full Feature Loan (Interest Only) ($150k-$250k, LVR < 80%) from RAMS

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$250,000
Advertised rate
4.95%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,031
Number of Repayments
300
Total Interest Paid
$59,300
Total repayments
$309,300
DatePrincipleInterestPaymentBalance
1Sep 2019$422.95$1,031.25$1,454.20$249,577.05
2Oct 2019$424.69$1,029.51$1,454.20$249,152.36
3Nov 2019$426.45$1,027.75$1,454.20$248,725.91
4Dec 2019$428.21$1,025.99$1,454.20$248,297.70
2019 Total$1,702.3$4,114.5$5,816.8
5Jan 2020$429.97$1,024.23$1,454.20$247,867.73
6Feb 2020$431.75$1,022.45$1,454.20$247,435.98
7Mar 2020$433.53$1,020.67$1,454.20$247,002.45
8Apr 2020$435.31$1,018.89$1,454.20$246,567.14
9May 2020$437.11$1,017.09$1,454.20$246,130.03
10Jun 2020$438.91$1,015.29$1,454.20$245,691.12
11Jul 2020$440.72$1,013.48$1,454.20$245,250.40
12Aug 2020$442.54$1,011.66$1,454.20$244,807.86
13Sep 2020$444.37$1,009.83$1,454.20$244,363.49
14Oct 2020$446.20$1,008.00$1,454.20$243,917.29
15Nov 2020$448.04$1,006.16$1,454.20$243,469.25
16Dec 2020$449.89$1,004.31$1,454.20$243,019.36
2020 Total$5,278.34$12,172.06$17,450.4
17Jan 2021$451.75$1,002.45$1,454.20$242,567.61
18Feb 2021$453.61$1,000.59$1,454.20$242,114.00
19Mar 2021$455.48$998.72$1,454.20$241,658.52
20Apr 2021$457.36$996.84$1,454.20$241,201.16
21May 2021$459.25$994.95$1,454.20$240,741.91
22Jun 2021$461.14$993.06$1,454.20$240,280.77
23Jul 2021$463.04$991.16$1,454.20$239,817.73
24Aug 2021$464.95$989.25$1,454.20$239,352.78
25Sep 2021$466.87$987.33$1,454.20$238,885.91
26Oct 2021$468.80$985.40$1,454.20$238,417.11
27Nov 2021$470.73$983.47$1,454.20$237,946.38
28Dec 2021$472.67$981.53$1,454.20$237,473.71
2021 Total$5,545.65$11,904.75$17,450.4
29Jan 2022$474.62$979.58$1,454.20$236,999.09
30Feb 2022$476.58$977.62$1,454.20$236,522.51
31Mar 2022$478.54$975.66$1,454.20$236,043.97
32Apr 2022$480.52$973.68$1,454.20$235,563.45
33May 2022$482.50$971.70$1,454.20$235,080.95
34Jun 2022$484.49$969.71$1,454.20$234,596.46
35Jul 2022$486.49$967.71$1,454.20$234,109.97
36Aug 2022$488.50$965.70$1,454.20$233,621.47
37Sep 2022$490.51$963.69$1,454.20$233,130.96
38Oct 2022$492.53$961.67$1,454.20$232,638.43
39Nov 2022$494.57$959.63$1,454.20$232,143.86
40Dec 2022$496.61$957.59$1,454.20$231,647.25
2022 Total$5,826.46$11,623.94$17,450.4
41Jan 2023$498.66$955.54$1,454.20$231,148.59
42Feb 2023$500.71$953.49$1,454.20$230,647.88
43Mar 2023$502.78$951.42$1,454.20$230,145.10
44Apr 2023$504.85$949.35$1,454.20$229,640.25
45May 2023$506.93$947.27$1,454.20$229,133.32
46Jun 2023$509.03$945.17$1,454.20$228,624.29
47Jul 2023$511.12$943.08$1,454.20$228,113.17
48Aug 2023$513.23$940.97$1,454.20$227,599.94
49Sep 2023$515.35$938.85$1,454.20$227,084.59
50Oct 2023$517.48$936.72$1,454.20$226,567.11
51Nov 2023$519.61$934.59$1,454.20$226,047.50
52Dec 2023$521.75$932.45$1,454.20$225,525.75
2023 Total$6,121.5$11,328.9$17,450.4
53Jan 2024$523.91$930.29$1,454.20$225,001.84
54Feb 2024$526.07$928.13$1,454.20$224,475.77
55Mar 2024$528.24$925.96$1,454.20$223,947.53
56Apr 2024$530.42$923.78$1,454.20$223,417.11
57May 2024$532.60$921.60$1,454.20$222,884.51
58Jun 2024$534.80$919.40$1,454.20$222,349.71
59Jul 2024$537.01$917.19$1,454.20$221,812.70
60Aug 2024$539.22$914.98$1,454.20$221,273.48
61Sep 2024$541.45$912.75$1,454.20$220,732.03
62Oct 2024$543.68$910.52$1,454.20$220,188.35
63Nov 2024$545.92$908.28$1,454.20$219,642.43
64Dec 2024$548.17$906.03$1,454.20$219,094.26
2024 Total$6,431.49$11,018.91$17,450.4
65Jan 2025$550.44$903.76$1,454.20$218,543.82
66Feb 2025$552.71$901.49$1,454.20$217,991.11
67Mar 2025$554.99$899.21$1,454.20$217,436.12
68Apr 2025$557.28$896.92$1,454.20$216,878.84
69May 2025$559.57$894.63$1,454.20$216,319.27
70Jun 2025$561.88$892.32$1,454.20$215,757.39
71Jul 2025$564.20$890.00$1,454.20$215,193.19
72Aug 2025$566.53$887.67$1,454.20$214,626.66
73Sep 2025$568.87$885.33$1,454.20$214,057.79
74Oct 2025$571.21$882.99$1,454.20$213,486.58
75Nov 2025$573.57$880.63$1,454.20$212,913.01
76Dec 2025$575.93$878.27$1,454.20$212,337.08
2025 Total$6,757.18$10,693.22$17,450.4
77Jan 2026$578.31$875.89$1,454.20$211,758.77
78Feb 2026$580.70$873.50$1,454.20$211,178.07
79Mar 2026$583.09$871.11$1,454.20$210,594.98
80Apr 2026$585.50$868.70$1,454.20$210,009.48
81May 2026$587.91$866.29$1,454.20$209,421.57
82Jun 2026$590.34$863.86$1,454.20$208,831.23
83Jul 2026$592.77$861.43$1,454.20$208,238.46
84Aug 2026$595.22$858.98$1,454.20$207,643.24
85Sep 2026$597.67$856.53$1,454.20$207,045.57
86Oct 2026$600.14$854.06$1,454.20$206,445.43
87Nov 2026$602.61$851.59$1,454.20$205,842.82
88Dec 2026$605.10$849.10$1,454.20$205,237.72
2026 Total$7,099.36$10,351.04$17,450.4
89Jan 2027$607.59$846.61$1,454.20$204,630.13
90Feb 2027$610.10$844.10$1,454.20$204,020.03
91Mar 2027$612.62$841.58$1,454.20$203,407.41
92Apr 2027$615.14$839.06$1,454.20$202,792.27
93May 2027$617.68$836.52$1,454.20$202,174.59
94Jun 2027$620.23$833.97$1,454.20$201,554.36
95Jul 2027$622.79$831.41$1,454.20$200,931.57
96Aug 2027$625.36$828.84$1,454.20$200,306.21
97Sep 2027$627.94$826.26$1,454.20$199,678.27
98Oct 2027$630.53$823.67$1,454.20$199,047.74
99Nov 2027$633.13$821.07$1,454.20$198,414.61
100Dec 2027$635.74$818.46$1,454.20$197,778.87
2027 Total$7,458.85$9,991.55$17,450.4
101Jan 2028$638.36$815.84$1,454.20$197,140.51
102Feb 2028$641.00$813.20$1,454.20$196,499.51
103Mar 2028$643.64$810.56$1,454.20$195,855.87
104Apr 2028$646.29$807.91$1,454.20$195,209.58
105May 2028$648.96$805.24$1,454.20$194,560.62
106Jun 2028$651.64$802.56$1,454.20$193,908.98
107Jul 2028$654.33$799.87$1,454.20$193,254.65
108Aug 2028$657.02$797.18$1,454.20$192,597.63
109Sep 2028$659.73$794.47$1,454.20$191,937.90
110Oct 2028$662.46$791.74$1,454.20$191,275.44
111Nov 2028$665.19$789.01$1,454.20$190,610.25
112Dec 2028$667.93$786.27$1,454.20$189,942.32
2028 Total$7,836.55$9,613.85$17,450.4
113Jan 2029$670.69$783.51$1,454.20$189,271.63
114Feb 2029$673.45$780.75$1,454.20$188,598.18
115Mar 2029$676.23$777.97$1,454.20$187,921.95
116Apr 2029$679.02$775.18$1,454.20$187,242.93
117May 2029$681.82$772.38$1,454.20$186,561.11
118Jun 2029$684.64$769.56$1,454.20$185,876.47
119Jul 2029$687.46$766.74$1,454.20$185,189.01
120Aug 2029$690.30$763.90$1,454.20$184,498.71
121Sep 2029$693.14$761.06$1,454.20$183,805.57
122Oct 2029$696.00$758.20$1,454.20$183,109.57
123Nov 2029$698.87$755.33$1,454.20$182,410.70
124Dec 2029$701.76$752.44$1,454.20$181,708.94
2029 Total$8,233.38$9,217.02$17,450.4
125Jan 2030$704.65$749.55$1,454.20$181,004.29
126Feb 2030$707.56$746.64$1,454.20$180,296.73
127Mar 2030$710.48$743.72$1,454.20$179,586.25
128Apr 2030$713.41$740.79$1,454.20$178,872.84
129May 2030$716.35$737.85$1,454.20$178,156.49
130Jun 2030$719.30$734.90$1,454.20$177,437.19
131Jul 2030$722.27$731.93$1,454.20$176,714.92
132Aug 2030$725.25$728.95$1,454.20$175,989.67
133Sep 2030$728.24$725.96$1,454.20$175,261.43
134Oct 2030$731.25$722.95$1,454.20$174,530.18
135Nov 2030$734.26$719.94$1,454.20$173,795.92
136Dec 2030$737.29$716.91$1,454.20$173,058.63
2030 Total$8,650.31$8,800.09$17,450.4
137Jan 2031$740.33$713.87$1,454.20$172,318.30
138Feb 2031$743.39$710.81$1,454.20$171,574.91
139Mar 2031$746.45$707.75$1,454.20$170,828.46
140Apr 2031$749.53$704.67$1,454.20$170,078.93
141May 2031$752.62$701.58$1,454.20$169,326.31
142Jun 2031$755.73$698.47$1,454.20$168,570.58
143Jul 2031$758.85$695.35$1,454.20$167,811.73
144Aug 2031$761.98$692.22$1,454.20$167,049.75
145Sep 2031$765.12$689.08$1,454.20$166,284.63
146Oct 2031$768.28$685.92$1,454.20$165,516.35
147Nov 2031$771.45$682.75$1,454.20$164,744.90
148Dec 2031$774.63$679.57$1,454.20$163,970.27
2031 Total$9,088.36$8,362.04$17,450.4
149Jan 2032$777.82$676.38$1,454.20$163,192.45
150Feb 2032$781.03$673.17$1,454.20$162,411.42
151Mar 2032$784.25$669.95$1,454.20$161,627.17
152Apr 2032$787.49$666.71$1,454.20$160,839.68
153May 2032$790.74$663.46$1,454.20$160,048.94
154Jun 2032$794.00$660.20$1,454.20$159,254.94
155Jul 2032$797.27$656.93$1,454.20$158,457.67
156Aug 2032$800.56$653.64$1,454.20$157,657.11
157Sep 2032$803.86$650.34$1,454.20$156,853.25
158Oct 2032$807.18$647.02$1,454.20$156,046.07
159Nov 2032$810.51$643.69$1,454.20$155,235.56
160Dec 2032$813.85$640.35$1,454.20$154,421.71
2032 Total$9,548.56$7,901.84$17,450.4
161Jan 2033$817.21$636.99$1,454.20$153,604.50
162Feb 2033$820.58$633.62$1,454.20$152,783.92
163Mar 2033$823.97$630.23$1,454.20$151,959.95
164Apr 2033$827.37$626.83$1,454.20$151,132.58
165May 2033$830.78$623.42$1,454.20$150,301.80
166Jun 2033$834.21$619.99$1,454.20$149,467.59
167Jul 2033$837.65$616.55$1,454.20$148,629.94
168Aug 2033$841.10$613.10$1,454.20$147,788.84
169Sep 2033$844.57$609.63$1,454.20$146,944.27
170Oct 2033$848.05$606.15$1,454.20$146,096.22
171Nov 2033$851.55$602.65$1,454.20$145,244.67
172Dec 2033$855.07$599.13$1,454.20$144,389.60
2033 Total$10,032.11$7,418.29$17,450.4
173Jan 2034$858.59$595.61$1,454.20$143,531.01
174Feb 2034$862.13$592.07$1,454.20$142,668.88
175Mar 2034$865.69$588.51$1,454.20$141,803.19
176Apr 2034$869.26$584.94$1,454.20$140,933.93
177May 2034$872.85$581.35$1,454.20$140,061.08
178Jun 2034$876.45$577.75$1,454.20$139,184.63
179Jul 2034$880.06$574.14$1,454.20$138,304.57
180Aug 2034$883.69$570.51$1,454.20$137,420.88
181Sep 2034$887.34$566.86$1,454.20$136,533.54
182Oct 2034$891.00$563.20$1,454.20$135,642.54
183Nov 2034$894.67$559.53$1,454.20$134,747.87
184Dec 2034$898.37$555.83$1,454.20$133,849.50
2034 Total$10,540.1$6,910.3$17,450.4
185Jan 2035$902.07$552.13$1,454.20$132,947.43
186Feb 2035$905.79$548.41$1,454.20$132,041.64
187Mar 2035$909.53$544.67$1,454.20$131,132.11
188Apr 2035$913.28$540.92$1,454.20$130,218.83
189May 2035$917.05$537.15$1,454.20$129,301.78
190Jun 2035$920.83$533.37$1,454.20$128,380.95
191Jul 2035$924.63$529.57$1,454.20$127,456.32
192Aug 2035$928.44$525.76$1,454.20$126,527.88
193Sep 2035$932.27$521.93$1,454.20$125,595.61
194Oct 2035$936.12$518.08$1,454.20$124,659.49
195Nov 2035$939.98$514.22$1,454.20$123,719.51
196Dec 2035$943.86$510.34$1,454.20$122,775.65
2035 Total$11,073.85$6,376.55$17,450.4
197Jan 2036$947.75$506.45$1,454.20$121,827.90
198Feb 2036$951.66$502.54$1,454.20$120,876.24
199Mar 2036$955.59$498.61$1,454.20$119,920.65
200Apr 2036$959.53$494.67$1,454.20$118,961.12
201May 2036$963.49$490.71$1,454.20$117,997.63
202Jun 2036$967.46$486.74$1,454.20$117,030.17
203Jul 2036$971.45$482.75$1,454.20$116,058.72
204Aug 2036$975.46$478.74$1,454.20$115,083.26
205Sep 2036$979.48$474.72$1,454.20$114,103.78
206Oct 2036$983.52$470.68$1,454.20$113,120.26
207Nov 2036$987.58$466.62$1,454.20$112,132.68
208Dec 2036$991.65$462.55$1,454.20$111,141.03
2036 Total$11,634.62$5,815.78$17,450.4
209Jan 2037$995.74$458.46$1,454.20$110,145.29
210Feb 2037$999.85$454.35$1,454.20$109,145.44
211Mar 2037$1,003.98$450.22$1,454.20$108,141.46
212Apr 2037$1,008.12$446.08$1,454.20$107,133.34
213May 2037$1,012.27$441.93$1,454.20$106,121.07
214Jun 2037$1,016.45$437.75$1,454.20$105,104.62
215Jul 2037$1,020.64$433.56$1,454.20$104,083.98
216Aug 2037$1,024.85$429.35$1,454.20$103,059.13
217Sep 2037$1,029.08$425.12$1,454.20$102,030.05
218Oct 2037$1,033.33$420.87$1,454.20$100,996.72
219Nov 2037$1,037.59$416.61$1,454.20$99,959.13
220Dec 2037$1,041.87$412.33$1,454.20$98,917.26
2037 Total$12,223.77$5,226.63$17,450.4
221Jan 2038$1,046.17$408.03$1,454.20$97,871.09
222Feb 2038$1,050.48$403.72$1,454.20$96,820.61
223Mar 2038$1,054.81$399.39$1,454.20$95,765.80
224Apr 2038$1,059.17$395.03$1,454.20$94,706.63
225May 2038$1,063.54$390.66$1,454.20$93,643.09
226Jun 2038$1,067.92$386.28$1,454.20$92,575.17
227Jul 2038$1,072.33$381.87$1,454.20$91,502.84
228Aug 2038$1,076.75$377.45$1,454.20$90,426.09
229Sep 2038$1,081.19$373.01$1,454.20$89,344.90
230Oct 2038$1,085.65$368.55$1,454.20$88,259.25
231Nov 2038$1,090.13$364.07$1,454.20$87,169.12
232Dec 2038$1,094.63$359.57$1,454.20$86,074.49
2038 Total$12,842.77$4,607.63$17,450.4
233Jan 2039$1,099.14$355.06$1,454.20$84,975.35
234Feb 2039$1,103.68$350.52$1,454.20$83,871.67
235Mar 2039$1,108.23$345.97$1,454.20$82,763.44
236Apr 2039$1,112.80$341.40$1,454.20$81,650.64
237May 2039$1,117.39$336.81$1,454.20$80,533.25
238Jun 2039$1,122.00$332.20$1,454.20$79,411.25
239Jul 2039$1,126.63$327.57$1,454.20$78,284.62
240Aug 2039$1,131.28$322.92$1,454.20$77,153.34
241Sep 2039$1,135.94$318.26$1,454.20$76,017.40
242Oct 2039$1,140.63$313.57$1,454.20$74,876.77
243Nov 2039$1,145.33$308.87$1,454.20$73,731.44
244Dec 2039$1,150.06$304.14$1,454.20$72,581.38
2039 Total$13,493.11$3,957.29$17,450.4
245Jan 2040$1,154.80$299.40$1,454.20$71,426.58
246Feb 2040$1,159.57$294.63$1,454.20$70,267.01
247Mar 2040$1,164.35$289.85$1,454.20$69,102.66
248Apr 2040$1,169.15$285.05$1,454.20$67,933.51
249May 2040$1,173.97$280.23$1,454.20$66,759.54
250Jun 2040$1,178.82$275.38$1,454.20$65,580.72
251Jul 2040$1,183.68$270.52$1,454.20$64,397.04
252Aug 2040$1,188.56$265.64$1,454.20$63,208.48
253Sep 2040$1,193.47$260.73$1,454.20$62,015.01
254Oct 2040$1,198.39$255.81$1,454.20$60,816.62
255Nov 2040$1,203.33$250.87$1,454.20$59,613.29
256Dec 2040$1,208.30$245.90$1,454.20$58,404.99
2040 Total$14,176.39$3,274.01$17,450.4
257Jan 2041$1,213.28$240.92$1,454.20$57,191.71
258Feb 2041$1,218.28$235.92$1,454.20$55,973.43
259Mar 2041$1,223.31$230.89$1,454.20$54,750.12
260Apr 2041$1,228.36$225.84$1,454.20$53,521.76
261May 2041$1,233.42$220.78$1,454.20$52,288.34
262Jun 2041$1,238.51$215.69$1,454.20$51,049.83
263Jul 2041$1,243.62$210.58$1,454.20$49,806.21
264Aug 2041$1,248.75$205.45$1,454.20$48,557.46
265Sep 2041$1,253.90$200.30$1,454.20$47,303.56
266Oct 2041$1,259.07$195.13$1,454.20$46,044.49
267Nov 2041$1,264.27$189.93$1,454.20$44,780.22
268Dec 2041$1,269.48$184.72$1,454.20$43,510.74
2041 Total$14,894.25$2,556.15$17,450.4
269Jan 2042$1,274.72$179.48$1,454.20$42,236.02
270Feb 2042$1,279.98$174.22$1,454.20$40,956.04
271Mar 2042$1,285.26$168.94$1,454.20$39,670.78
272Apr 2042$1,290.56$163.64$1,454.20$38,380.22
273May 2042$1,295.88$158.32$1,454.20$37,084.34
274Jun 2042$1,301.23$152.97$1,454.20$35,783.11
275Jul 2042$1,306.59$147.61$1,454.20$34,476.52
276Aug 2042$1,311.98$142.22$1,454.20$33,164.54
277Sep 2042$1,317.40$136.80$1,454.20$31,847.14
278Oct 2042$1,322.83$131.37$1,454.20$30,524.31
279Nov 2042$1,328.29$125.91$1,454.20$29,196.02
280Dec 2042$1,333.77$120.43$1,454.20$27,862.25
2042 Total$15,648.49$1,801.91$17,450.4
281Jan 2043$1,339.27$114.93$1,454.20$26,522.98
282Feb 2043$1,344.79$109.41$1,454.20$25,178.19
283Mar 2043$1,350.34$103.86$1,454.20$23,827.85
284Apr 2043$1,355.91$98.29$1,454.20$22,471.94
285May 2043$1,361.50$92.70$1,454.20$21,110.44
286Jun 2043$1,367.12$87.08$1,454.20$19,743.32
287Jul 2043$1,372.76$81.44$1,454.20$18,370.56
288Aug 2043$1,378.42$75.78$1,454.20$16,992.14
289Sep 2043$1,384.11$70.09$1,454.20$15,608.03
290Oct 2043$1,389.82$64.38$1,454.20$14,218.21
291Nov 2043$1,395.55$58.65$1,454.20$12,822.66
292Dec 2043$1,401.31$52.89$1,454.20$11,421.35
2043 Total$16,440.9$1,009.5$17,450.4
293Jan 2044$1,407.09$47.11$1,454.20$10,014.26
294Feb 2044$1,412.89$41.31$1,454.20$8,601.37
295Mar 2044$1,418.72$35.48$1,454.20$7,182.65
296Apr 2044$1,424.57$29.63$1,454.20$5,758.08
297May 2044$1,430.45$23.75$1,454.20$4,327.63
298Jun 2044$1,436.35$17.85$1,454.20$2,891.28
299Jul 2044$1,442.27$11.93$1,454.20$1,449.01
300Aug 2044$1,448.22$5.98$1,454.20$0.79
2044 Total$11,420.56$213.04$11,633.6
Compare your product with the big 4 banks, or add more products to compare
As seen on