Value Advantage Package Line of Credit ($150k-$250k, LVR 80%-95%) from RAMS

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$300,000
Advertised rate
4.76%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,190
Number of Repayments
300
Total Interest Paid
$57,000
Total repayments
$357,000
DatePrincipleInterestPaymentBalance
1Dec 2019$522.08$1,190.00$1,712.08$299,477.92
2019 Total$522.08$1,190$1,712.08
2Jan 2020$524.15$1,187.93$1,712.08$298,953.77
3Feb 2020$526.23$1,185.85$1,712.08$298,427.54
4Mar 2020$528.32$1,183.76$1,712.08$297,899.22
5Apr 2020$530.41$1,181.67$1,712.08$297,368.81
6May 2020$532.52$1,179.56$1,712.08$296,836.29
7Jun 2020$534.63$1,177.45$1,712.08$296,301.66
8Jul 2020$536.75$1,175.33$1,712.08$295,764.91
9Aug 2020$538.88$1,173.20$1,712.08$295,226.03
10Sep 2020$541.02$1,171.06$1,712.08$294,685.01
11Oct 2020$543.16$1,168.92$1,712.08$294,141.85
12Nov 2020$545.32$1,166.76$1,712.08$293,596.53
13Dec 2020$547.48$1,164.60$1,712.08$293,049.05
2020 Total$6,428.87$14,116.09$20,544.96
14Jan 2021$549.65$1,162.43$1,712.08$292,499.40
15Feb 2021$551.83$1,160.25$1,712.08$291,947.57
16Mar 2021$554.02$1,158.06$1,712.08$291,393.55
17Apr 2021$556.22$1,155.86$1,712.08$290,837.33
18May 2021$558.43$1,153.65$1,712.08$290,278.90
19Jun 2021$560.64$1,151.44$1,712.08$289,718.26
20Jul 2021$562.86$1,149.22$1,712.08$289,155.40
21Aug 2021$565.10$1,146.98$1,712.08$288,590.30
22Sep 2021$567.34$1,144.74$1,712.08$288,022.96
23Oct 2021$569.59$1,142.49$1,712.08$287,453.37
24Nov 2021$571.85$1,140.23$1,712.08$286,881.52
25Dec 2021$574.12$1,137.96$1,712.08$286,307.40
2021 Total$6,741.65$13,803.31$20,544.96
26Jan 2022$576.39$1,135.69$1,712.08$285,731.01
27Feb 2022$578.68$1,133.40$1,712.08$285,152.33
28Mar 2022$580.98$1,131.10$1,712.08$284,571.35
29Apr 2022$583.28$1,128.80$1,712.08$283,988.07
30May 2022$585.59$1,126.49$1,712.08$283,402.48
31Jun 2022$587.92$1,124.16$1,712.08$282,814.56
32Jul 2022$590.25$1,121.83$1,712.08$282,224.31
33Aug 2022$592.59$1,119.49$1,712.08$281,631.72
34Sep 2022$594.94$1,117.14$1,712.08$281,036.78
35Oct 2022$597.30$1,114.78$1,712.08$280,439.48
36Nov 2022$599.67$1,112.41$1,712.08$279,839.81
37Dec 2022$602.05$1,110.03$1,712.08$279,237.76
2022 Total$7,069.64$13,475.32$20,544.96
38Jan 2023$604.44$1,107.64$1,712.08$278,633.32
39Feb 2023$606.83$1,105.25$1,712.08$278,026.49
40Mar 2023$609.24$1,102.84$1,712.08$277,417.25
41Apr 2023$611.66$1,100.42$1,712.08$276,805.59
42May 2023$614.08$1,098.00$1,712.08$276,191.51
43Jun 2023$616.52$1,095.56$1,712.08$275,574.99
44Jul 2023$618.97$1,093.11$1,712.08$274,956.02
45Aug 2023$621.42$1,090.66$1,712.08$274,334.60
46Sep 2023$623.89$1,088.19$1,712.08$273,710.71
47Oct 2023$626.36$1,085.72$1,712.08$273,084.35
48Nov 2023$628.85$1,083.23$1,712.08$272,455.50
49Dec 2023$631.34$1,080.74$1,712.08$271,824.16
2023 Total$7,413.6$13,131.36$20,544.96
50Jan 2024$633.84$1,078.24$1,712.08$271,190.32
51Feb 2024$636.36$1,075.72$1,712.08$270,553.96
52Mar 2024$638.88$1,073.20$1,712.08$269,915.08
53Apr 2024$641.42$1,070.66$1,712.08$269,273.66
54May 2024$643.96$1,068.12$1,712.08$268,629.70
55Jun 2024$646.52$1,065.56$1,712.08$267,983.18
56Jul 2024$649.08$1,063.00$1,712.08$267,334.10
57Aug 2024$651.65$1,060.43$1,712.08$266,682.45
58Sep 2024$654.24$1,057.84$1,712.08$266,028.21
59Oct 2024$656.83$1,055.25$1,712.08$265,371.38
60Nov 2024$659.44$1,052.64$1,712.08$264,711.94
61Dec 2024$662.06$1,050.02$1,712.08$264,049.88
2024 Total$7,774.28$12,770.68$20,544.96
62Jan 2025$664.68$1,047.40$1,712.08$263,385.20
63Feb 2025$667.32$1,044.76$1,712.08$262,717.88
64Mar 2025$669.97$1,042.11$1,712.08$262,047.91
65Apr 2025$672.62$1,039.46$1,712.08$261,375.29
66May 2025$675.29$1,036.79$1,712.08$260,700.00
67Jun 2025$677.97$1,034.11$1,712.08$260,022.03
68Jul 2025$680.66$1,031.42$1,712.08$259,341.37
69Aug 2025$683.36$1,028.72$1,712.08$258,658.01
70Sep 2025$686.07$1,026.01$1,712.08$257,971.94
71Oct 2025$688.79$1,023.29$1,712.08$257,283.15
72Nov 2025$691.52$1,020.56$1,712.08$256,591.63
73Dec 2025$694.27$1,017.81$1,712.08$255,897.36
2025 Total$8,152.52$12,392.44$20,544.96
74Jan 2026$697.02$1,015.06$1,712.08$255,200.34
75Feb 2026$699.79$1,012.29$1,712.08$254,500.55
76Mar 2026$702.56$1,009.52$1,712.08$253,797.99
77Apr 2026$705.35$1,006.73$1,712.08$253,092.64
78May 2026$708.15$1,003.93$1,712.08$252,384.49
79Jun 2026$710.95$1,001.13$1,712.08$251,673.54
80Jul 2026$713.77$998.31$1,712.08$250,959.77
81Aug 2026$716.61$995.47$1,712.08$250,243.16
82Sep 2026$719.45$992.63$1,712.08$249,523.71
83Oct 2026$722.30$989.78$1,712.08$248,801.41
84Nov 2026$725.17$986.91$1,712.08$248,076.24
85Dec 2026$728.04$984.04$1,712.08$247,348.20
2026 Total$8,549.16$11,995.8$20,544.96
86Jan 2027$730.93$981.15$1,712.08$246,617.27
87Feb 2027$733.83$978.25$1,712.08$245,883.44
88Mar 2027$736.74$975.34$1,712.08$245,146.70
89Apr 2027$739.66$972.42$1,712.08$244,407.04
90May 2027$742.60$969.48$1,712.08$243,664.44
91Jun 2027$745.54$966.54$1,712.08$242,918.90
92Jul 2027$748.50$963.58$1,712.08$242,170.40
93Aug 2027$751.47$960.61$1,712.08$241,418.93
94Sep 2027$754.45$957.63$1,712.08$240,664.48
95Oct 2027$757.44$954.64$1,712.08$239,907.04
96Nov 2027$760.45$951.63$1,712.08$239,146.59
97Dec 2027$763.47$948.61$1,712.08$238,383.12
2027 Total$8,965.08$11,579.88$20,544.96
98Jan 2028$766.49$945.59$1,712.08$237,616.63
99Feb 2028$769.53$942.55$1,712.08$236,847.10
100Mar 2028$772.59$939.49$1,712.08$236,074.51
101Apr 2028$775.65$936.43$1,712.08$235,298.86
102May 2028$778.73$933.35$1,712.08$234,520.13
103Jun 2028$781.82$930.26$1,712.08$233,738.31
104Jul 2028$784.92$927.16$1,712.08$232,953.39
105Aug 2028$788.03$924.05$1,712.08$232,165.36
106Sep 2028$791.16$920.92$1,712.08$231,374.20
107Oct 2028$794.30$917.78$1,712.08$230,579.90
108Nov 2028$797.45$914.63$1,712.08$229,782.45
109Dec 2028$800.61$911.47$1,712.08$228,981.84
2028 Total$9,401.28$11,143.68$20,544.96
110Jan 2029$803.79$908.29$1,712.08$228,178.05
111Feb 2029$806.97$905.11$1,712.08$227,371.08
112Mar 2029$810.17$901.91$1,712.08$226,560.91
113Apr 2029$813.39$898.69$1,712.08$225,747.52
114May 2029$816.61$895.47$1,712.08$224,930.91
115Jun 2029$819.85$892.23$1,712.08$224,111.06
116Jul 2029$823.11$888.97$1,712.08$223,287.95
117Aug 2029$826.37$885.71$1,712.08$222,461.58
118Sep 2029$829.65$882.43$1,712.08$221,631.93
119Oct 2029$832.94$879.14$1,712.08$220,798.99
120Nov 2029$836.24$875.84$1,712.08$219,962.75
121Dec 2029$839.56$872.52$1,712.08$219,123.19
2029 Total$9,858.65$10,686.31$20,544.96
122Jan 2030$842.89$869.19$1,712.08$218,280.30
123Feb 2030$846.23$865.85$1,712.08$217,434.07
124Mar 2030$849.59$862.49$1,712.08$216,584.48
125Apr 2030$852.96$859.12$1,712.08$215,731.52
126May 2030$856.34$855.74$1,712.08$214,875.18
127Jun 2030$859.74$852.34$1,712.08$214,015.44
128Jul 2030$863.15$848.93$1,712.08$213,152.29
129Aug 2030$866.58$845.50$1,712.08$212,285.71
130Sep 2030$870.01$842.07$1,712.08$211,415.70
131Oct 2030$873.46$838.62$1,712.08$210,542.24
132Nov 2030$876.93$835.15$1,712.08$209,665.31
133Dec 2030$880.41$831.67$1,712.08$208,784.90
2030 Total$10,338.29$10,206.67$20,544.96
134Jan 2031$883.90$828.18$1,712.08$207,901.00
135Feb 2031$887.41$824.67$1,712.08$207,013.59
136Mar 2031$890.93$821.15$1,712.08$206,122.66
137Apr 2031$894.46$817.62$1,712.08$205,228.20
138May 2031$898.01$814.07$1,712.08$204,330.19
139Jun 2031$901.57$810.51$1,712.08$203,428.62
140Jul 2031$905.15$806.93$1,712.08$202,523.47
141Aug 2031$908.74$803.34$1,712.08$201,614.73
142Sep 2031$912.34$799.74$1,712.08$200,702.39
143Oct 2031$915.96$796.12$1,712.08$199,786.43
144Nov 2031$919.59$792.49$1,712.08$198,866.84
145Dec 2031$923.24$788.84$1,712.08$197,943.60
2031 Total$10,841.3$9,703.66$20,544.96
146Jan 2032$926.90$785.18$1,712.08$197,016.70
147Feb 2032$930.58$781.50$1,712.08$196,086.12
148Mar 2032$934.27$777.81$1,712.08$195,151.85
149Apr 2032$937.98$774.10$1,712.08$194,213.87
150May 2032$941.70$770.38$1,712.08$193,272.17
151Jun 2032$945.43$766.65$1,712.08$192,326.74
152Jul 2032$949.18$762.90$1,712.08$191,377.56
153Aug 2032$952.95$759.13$1,712.08$190,424.61
154Sep 2032$956.73$755.35$1,712.08$189,467.88
155Oct 2032$960.52$751.56$1,712.08$188,507.36
156Nov 2032$964.33$747.75$1,712.08$187,543.03
157Dec 2032$968.16$743.92$1,712.08$186,574.87
2032 Total$11,368.73$9,176.23$20,544.96
158Jan 2033$972.00$740.08$1,712.08$185,602.87
159Feb 2033$975.86$736.22$1,712.08$184,627.01
160Mar 2033$979.73$732.35$1,712.08$183,647.28
161Apr 2033$983.61$728.47$1,712.08$182,663.67
162May 2033$987.51$724.57$1,712.08$181,676.16
163Jun 2033$991.43$720.65$1,712.08$180,684.73
164Jul 2033$995.36$716.72$1,712.08$179,689.37
165Aug 2033$999.31$712.77$1,712.08$178,690.06
166Sep 2033$1,003.28$708.80$1,712.08$177,686.78
167Oct 2033$1,007.26$704.82$1,712.08$176,679.52
168Nov 2033$1,011.25$700.83$1,712.08$175,668.27
169Dec 2033$1,015.26$696.82$1,712.08$174,653.01
2033 Total$11,921.86$8,623.1$20,544.96
170Jan 2034$1,019.29$692.79$1,712.08$173,633.72
171Feb 2034$1,023.33$688.75$1,712.08$172,610.39
172Mar 2034$1,027.39$684.69$1,712.08$171,583.00
173Apr 2034$1,031.47$680.61$1,712.08$170,551.53
174May 2034$1,035.56$676.52$1,712.08$169,515.97
175Jun 2034$1,039.67$672.41$1,712.08$168,476.30
176Jul 2034$1,043.79$668.29$1,712.08$167,432.51
177Aug 2034$1,047.93$664.15$1,712.08$166,384.58
178Sep 2034$1,052.09$659.99$1,712.08$165,332.49
179Oct 2034$1,056.26$655.82$1,712.08$164,276.23
180Nov 2034$1,060.45$651.63$1,712.08$163,215.78
181Dec 2034$1,064.66$647.42$1,712.08$162,151.12
2034 Total$12,501.89$8,043.07$20,544.96
182Jan 2035$1,068.88$643.20$1,712.08$161,082.24
183Feb 2035$1,073.12$638.96$1,712.08$160,009.12
184Mar 2035$1,077.38$634.70$1,712.08$158,931.74
185Apr 2035$1,081.65$630.43$1,712.08$157,850.09
186May 2035$1,085.94$626.14$1,712.08$156,764.15
187Jun 2035$1,090.25$621.83$1,712.08$155,673.90
188Jul 2035$1,094.57$617.51$1,712.08$154,579.33
189Aug 2035$1,098.92$613.16$1,712.08$153,480.41
190Sep 2035$1,103.27$608.81$1,712.08$152,377.14
191Oct 2035$1,107.65$604.43$1,712.08$151,269.49
192Nov 2035$1,112.04$600.04$1,712.08$150,157.45
193Dec 2035$1,116.46$595.62$1,712.08$149,040.99
2035 Total$13,110.13$7,434.83$20,544.96
194Jan 2036$1,120.88$591.20$1,712.08$147,920.11
195Feb 2036$1,125.33$586.75$1,712.08$146,794.78
196Mar 2036$1,129.79$582.29$1,712.08$145,664.99
197Apr 2036$1,134.28$577.80$1,712.08$144,530.71
198May 2036$1,138.77$573.31$1,712.08$143,391.94
199Jun 2036$1,143.29$568.79$1,712.08$142,248.65
200Jul 2036$1,147.83$564.25$1,712.08$141,100.82
201Aug 2036$1,152.38$559.70$1,712.08$139,948.44
202Sep 2036$1,156.95$555.13$1,712.08$138,791.49
203Oct 2036$1,161.54$550.54$1,712.08$137,629.95
204Nov 2036$1,166.15$545.93$1,712.08$136,463.80
205Dec 2036$1,170.77$541.31$1,712.08$135,293.03
2036 Total$13,747.96$6,797$20,544.96
206Jan 2037$1,175.42$536.66$1,712.08$134,117.61
207Feb 2037$1,180.08$532.00$1,712.08$132,937.53
208Mar 2037$1,184.76$527.32$1,712.08$131,752.77
209Apr 2037$1,189.46$522.62$1,712.08$130,563.31
210May 2037$1,194.18$517.90$1,712.08$129,369.13
211Jun 2037$1,198.92$513.16$1,712.08$128,170.21
212Jul 2037$1,203.67$508.41$1,712.08$126,966.54
213Aug 2037$1,208.45$503.63$1,712.08$125,758.09
214Sep 2037$1,213.24$498.84$1,712.08$124,544.85
215Oct 2037$1,218.05$494.03$1,712.08$123,326.80
216Nov 2037$1,222.88$489.20$1,712.08$122,103.92
217Dec 2037$1,227.73$484.35$1,712.08$120,876.19
2037 Total$14,416.84$6,128.12$20,544.96
218Jan 2038$1,232.60$479.48$1,712.08$119,643.59
219Feb 2038$1,237.49$474.59$1,712.08$118,406.10
220Mar 2038$1,242.40$469.68$1,712.08$117,163.70
221Apr 2038$1,247.33$464.75$1,712.08$115,916.37
222May 2038$1,252.28$459.80$1,712.08$114,664.09
223Jun 2038$1,257.25$454.83$1,712.08$113,406.84
224Jul 2038$1,262.23$449.85$1,712.08$112,144.61
225Aug 2038$1,267.24$444.84$1,712.08$110,877.37
226Sep 2038$1,272.27$439.81$1,712.08$109,605.10
227Oct 2038$1,277.31$434.77$1,712.08$108,327.79
228Nov 2038$1,282.38$429.70$1,712.08$107,045.41
229Dec 2038$1,287.47$424.61$1,712.08$105,757.94
2038 Total$15,118.25$5,426.71$20,544.96
230Jan 2039$1,292.57$419.51$1,712.08$104,465.37
231Feb 2039$1,297.70$414.38$1,712.08$103,167.67
232Mar 2039$1,302.85$409.23$1,712.08$101,864.82
233Apr 2039$1,308.02$404.06$1,712.08$100,556.80
234May 2039$1,313.20$398.88$1,712.08$99,243.60
235Jun 2039$1,318.41$393.67$1,712.08$97,925.19
236Jul 2039$1,323.64$388.44$1,712.08$96,601.55
237Aug 2039$1,328.89$383.19$1,712.08$95,272.66
238Sep 2039$1,334.17$377.91$1,712.08$93,938.49
239Oct 2039$1,339.46$372.62$1,712.08$92,599.03
240Nov 2039$1,344.77$367.31$1,712.08$91,254.26
241Dec 2039$1,350.10$361.98$1,712.08$89,904.16
2039 Total$15,853.78$4,691.18$20,544.96
242Jan 2040$1,355.46$356.62$1,712.08$88,548.70
243Feb 2040$1,360.84$351.24$1,712.08$87,187.86
244Mar 2040$1,366.23$345.85$1,712.08$85,821.63
245Apr 2040$1,371.65$340.43$1,712.08$84,449.98
246May 2040$1,377.10$334.98$1,712.08$83,072.88
247Jun 2040$1,382.56$329.52$1,712.08$81,690.32
248Jul 2040$1,388.04$324.04$1,712.08$80,302.28
249Aug 2040$1,393.55$318.53$1,712.08$78,908.73
250Sep 2040$1,399.08$313.00$1,712.08$77,509.65
251Oct 2040$1,404.63$307.45$1,712.08$76,105.02
252Nov 2040$1,410.20$301.88$1,712.08$74,694.82
253Dec 2040$1,415.79$296.29$1,712.08$73,279.03
2040 Total$16,625.13$3,919.83$20,544.96
254Jan 2041$1,421.41$290.67$1,712.08$71,857.62
255Feb 2041$1,427.04$285.04$1,712.08$70,430.58
256Mar 2041$1,432.71$279.37$1,712.08$68,997.87
257Apr 2041$1,438.39$273.69$1,712.08$67,559.48
258May 2041$1,444.09$267.99$1,712.08$66,115.39
259Jun 2041$1,449.82$262.26$1,712.08$64,665.57
260Jul 2041$1,455.57$256.51$1,712.08$63,210.00
261Aug 2041$1,461.35$250.73$1,712.08$61,748.65
262Sep 2041$1,467.14$244.94$1,712.08$60,281.51
263Oct 2041$1,472.96$239.12$1,712.08$58,808.55
264Nov 2041$1,478.81$233.27$1,712.08$57,329.74
265Dec 2041$1,484.67$227.41$1,712.08$55,845.07
2041 Total$17,433.96$3,111$20,544.96
266Jan 2042$1,490.56$221.52$1,712.08$54,354.51
267Feb 2042$1,496.47$215.61$1,712.08$52,858.04
268Mar 2042$1,502.41$209.67$1,712.08$51,355.63
269Apr 2042$1,508.37$203.71$1,712.08$49,847.26
270May 2042$1,514.35$197.73$1,712.08$48,332.91
271Jun 2042$1,520.36$191.72$1,712.08$46,812.55
272Jul 2042$1,526.39$185.69$1,712.08$45,286.16
273Aug 2042$1,532.44$179.64$1,712.08$43,753.72
274Sep 2042$1,538.52$173.56$1,712.08$42,215.20
275Oct 2042$1,544.63$167.45$1,712.08$40,670.57
276Nov 2042$1,550.75$161.33$1,712.08$39,119.82
277Dec 2042$1,556.90$155.18$1,712.08$37,562.92
2042 Total$18,282.15$2,262.81$20,544.96
278Jan 2043$1,563.08$149.00$1,712.08$35,999.84
279Feb 2043$1,569.28$142.80$1,712.08$34,430.56
280Mar 2043$1,575.51$136.57$1,712.08$32,855.05
281Apr 2043$1,581.75$130.33$1,712.08$31,273.30
282May 2043$1,588.03$124.05$1,712.08$29,685.27
283Jun 2043$1,594.33$117.75$1,712.08$28,090.94
284Jul 2043$1,600.65$111.43$1,712.08$26,490.29
285Aug 2043$1,607.00$105.08$1,712.08$24,883.29
286Sep 2043$1,613.38$98.70$1,712.08$23,269.91
287Oct 2043$1,619.78$92.30$1,712.08$21,650.13
288Nov 2043$1,626.20$85.88$1,712.08$20,023.93
289Dec 2043$1,632.65$79.43$1,712.08$18,391.28
2043 Total$19,171.64$1,373.32$20,544.96
290Jan 2044$1,639.13$72.95$1,712.08$16,752.15
291Feb 2044$1,645.63$66.45$1,712.08$15,106.52
292Mar 2044$1,652.16$59.92$1,712.08$13,454.36
293Apr 2044$1,658.71$53.37$1,712.08$11,795.65
294May 2044$1,665.29$46.79$1,712.08$10,130.36
295Jun 2044$1,671.90$40.18$1,712.08$8,458.46
296Jul 2044$1,678.53$33.55$1,712.08$6,779.93
297Aug 2044$1,685.19$26.89$1,712.08$5,094.74
298Sep 2044$1,691.87$20.21$1,712.08$3,402.87
299Oct 2044$1,698.58$13.50$1,712.08$1,704.29
300Nov 2044$1,704.29$6.76$1,711.05$0.00
2044 Total$18,391.28$440.57$18,831.85
Compare your product with the big 4 banks, or add more products to compare
As seen on