Value Advantage Package Line of Credit ($250k-$500k, LVR 80%-95%) from RAMS

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$250,000
Advertised rate
5.53%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,152
Number of Repayments
300
Total Interest Paid
$95,600
Total repayments
$345,600
DatePrincipleInterestPaymentBalance
1Sep 2019$387.62$1,152.08$1,539.70$249,612.38
2Oct 2019$389.40$1,150.30$1,539.70$249,222.98
3Nov 2019$391.20$1,148.50$1,539.70$248,831.78
4Dec 2019$393.00$1,146.70$1,539.70$248,438.78
2019 Total$1,561.22$4,597.58$6,158.8
5Jan 2020$394.81$1,144.89$1,539.70$248,043.97
6Feb 2020$396.63$1,143.07$1,539.70$247,647.34
7Mar 2020$398.46$1,141.24$1,539.70$247,248.88
8Apr 2020$400.29$1,139.41$1,539.70$246,848.59
9May 2020$402.14$1,137.56$1,539.70$246,446.45
10Jun 2020$403.99$1,135.71$1,539.70$246,042.46
11Jul 2020$405.85$1,133.85$1,539.70$245,636.61
12Aug 2020$407.72$1,131.98$1,539.70$245,228.89
13Sep 2020$409.60$1,130.10$1,539.70$244,819.29
14Oct 2020$411.49$1,128.21$1,539.70$244,407.80
15Nov 2020$413.39$1,126.31$1,539.70$243,994.41
16Dec 2020$415.29$1,124.41$1,539.70$243,579.12
2020 Total$4,859.66$13,616.74$18,476.4
17Jan 2021$417.21$1,122.49$1,539.70$243,161.91
18Feb 2021$419.13$1,120.57$1,539.70$242,742.78
19Mar 2021$421.06$1,118.64$1,539.70$242,321.72
20Apr 2021$423.00$1,116.70$1,539.70$241,898.72
21May 2021$424.95$1,114.75$1,539.70$241,473.77
22Jun 2021$426.91$1,112.79$1,539.70$241,046.86
23Jul 2021$428.88$1,110.82$1,539.70$240,617.98
24Aug 2021$430.85$1,108.85$1,539.70$240,187.13
25Sep 2021$432.84$1,106.86$1,539.70$239,754.29
26Oct 2021$434.83$1,104.87$1,539.70$239,319.46
27Nov 2021$436.84$1,102.86$1,539.70$238,882.62
28Dec 2021$438.85$1,100.85$1,539.70$238,443.77
2021 Total$5,135.35$13,341.05$18,476.4
29Jan 2022$440.87$1,098.83$1,539.70$238,002.90
30Feb 2022$442.90$1,096.80$1,539.70$237,560.00
31Mar 2022$444.94$1,094.76$1,539.70$237,115.06
32Apr 2022$446.99$1,092.71$1,539.70$236,668.07
33May 2022$449.05$1,090.65$1,539.70$236,219.02
34Jun 2022$451.12$1,088.58$1,539.70$235,767.90
35Jul 2022$453.20$1,086.50$1,539.70$235,314.70
36Aug 2022$455.29$1,084.41$1,539.70$234,859.41
37Sep 2022$457.39$1,082.31$1,539.70$234,402.02
38Oct 2022$459.50$1,080.20$1,539.70$233,942.52
39Nov 2022$461.61$1,078.09$1,539.70$233,480.91
40Dec 2022$463.74$1,075.96$1,539.70$233,017.17
2022 Total$5,426.6$13,049.8$18,476.4
41Jan 2023$465.88$1,073.82$1,539.70$232,551.29
42Feb 2023$468.03$1,071.67$1,539.70$232,083.26
43Mar 2023$470.18$1,069.52$1,539.70$231,613.08
44Apr 2023$472.35$1,067.35$1,539.70$231,140.73
45May 2023$474.53$1,065.17$1,539.70$230,666.20
46Jun 2023$476.71$1,062.99$1,539.70$230,189.49
47Jul 2023$478.91$1,060.79$1,539.70$229,710.58
48Aug 2023$481.12$1,058.58$1,539.70$229,229.46
49Sep 2023$483.33$1,056.37$1,539.70$228,746.13
50Oct 2023$485.56$1,054.14$1,539.70$228,260.57
51Nov 2023$487.80$1,051.90$1,539.70$227,772.77
52Dec 2023$490.05$1,049.65$1,539.70$227,282.72
2023 Total$5,734.45$12,741.95$18,476.4
53Jan 2024$492.31$1,047.39$1,539.70$226,790.41
54Feb 2024$494.57$1,045.13$1,539.70$226,295.84
55Mar 2024$496.85$1,042.85$1,539.70$225,798.99
56Apr 2024$499.14$1,040.56$1,539.70$225,299.85
57May 2024$501.44$1,038.26$1,539.70$224,798.41
58Jun 2024$503.75$1,035.95$1,539.70$224,294.66
59Jul 2024$506.08$1,033.62$1,539.70$223,788.58
60Aug 2024$508.41$1,031.29$1,539.70$223,280.17
61Sep 2024$510.75$1,028.95$1,539.70$222,769.42
62Oct 2024$513.10$1,026.60$1,539.70$222,256.32
63Nov 2024$515.47$1,024.23$1,539.70$221,740.85
64Dec 2024$517.84$1,021.86$1,539.70$221,223.01
2024 Total$6,059.71$12,416.69$18,476.4
65Jan 2025$520.23$1,019.47$1,539.70$220,702.78
66Feb 2025$522.63$1,017.07$1,539.70$220,180.15
67Mar 2025$525.04$1,014.66$1,539.70$219,655.11
68Apr 2025$527.46$1,012.24$1,539.70$219,127.65
69May 2025$529.89$1,009.81$1,539.70$218,597.76
70Jun 2025$532.33$1,007.37$1,539.70$218,065.43
71Jul 2025$534.78$1,004.92$1,539.70$217,530.65
72Aug 2025$537.25$1,002.45$1,539.70$216,993.40
73Sep 2025$539.72$999.98$1,539.70$216,453.68
74Oct 2025$542.21$997.49$1,539.70$215,911.47
75Nov 2025$544.71$994.99$1,539.70$215,366.76
76Dec 2025$547.22$992.48$1,539.70$214,819.54
2025 Total$6,403.47$12,072.93$18,476.4
77Jan 2026$549.74$989.96$1,539.70$214,269.80
78Feb 2026$552.27$987.43$1,539.70$213,717.53
79Mar 2026$554.82$984.88$1,539.70$213,162.71
80Apr 2026$557.38$982.32$1,539.70$212,605.33
81May 2026$559.94$979.76$1,539.70$212,045.39
82Jun 2026$562.52$977.18$1,539.70$211,482.87
83Jul 2026$565.12$974.58$1,539.70$210,917.75
84Aug 2026$567.72$971.98$1,539.70$210,350.03
85Sep 2026$570.34$969.36$1,539.70$209,779.69
86Oct 2026$572.97$966.73$1,539.70$209,206.72
87Nov 2026$575.61$964.09$1,539.70$208,631.11
88Dec 2026$578.26$961.44$1,539.70$208,052.85
2026 Total$6,766.69$11,709.71$18,476.4
89Jan 2027$580.92$958.78$1,539.70$207,471.93
90Feb 2027$583.60$956.10$1,539.70$206,888.33
91Mar 2027$586.29$953.41$1,539.70$206,302.04
92Apr 2027$588.99$950.71$1,539.70$205,713.05
93May 2027$591.71$947.99$1,539.70$205,121.34
94Jun 2027$594.43$945.27$1,539.70$204,526.91
95Jul 2027$597.17$942.53$1,539.70$203,929.74
96Aug 2027$599.92$939.78$1,539.70$203,329.82
97Sep 2027$602.69$937.01$1,539.70$202,727.13
98Oct 2027$605.47$934.23$1,539.70$202,121.66
99Nov 2027$608.26$931.44$1,539.70$201,513.40
100Dec 2027$611.06$928.64$1,539.70$200,902.34
2027 Total$7,150.51$11,325.89$18,476.4
101Jan 2028$613.88$925.82$1,539.70$200,288.46
102Feb 2028$616.70$923.00$1,539.70$199,671.76
103Mar 2028$619.55$920.15$1,539.70$199,052.21
104Apr 2028$622.40$917.30$1,539.70$198,429.81
105May 2028$625.27$914.43$1,539.70$197,804.54
106Jun 2028$628.15$911.55$1,539.70$197,176.39
107Jul 2028$631.05$908.65$1,539.70$196,545.34
108Aug 2028$633.95$905.75$1,539.70$195,911.39
109Sep 2028$636.88$902.82$1,539.70$195,274.51
110Oct 2028$639.81$899.89$1,539.70$194,634.70
111Nov 2028$642.76$896.94$1,539.70$193,991.94
112Dec 2028$645.72$893.98$1,539.70$193,346.22
2028 Total$7,556.12$10,920.28$18,476.4
113Jan 2029$648.70$891.00$1,539.70$192,697.52
114Feb 2029$651.69$888.01$1,539.70$192,045.83
115Mar 2029$654.69$885.01$1,539.70$191,391.14
116Apr 2029$657.71$881.99$1,539.70$190,733.43
117May 2029$660.74$878.96$1,539.70$190,072.69
118Jun 2029$663.78$875.92$1,539.70$189,408.91
119Jul 2029$666.84$872.86$1,539.70$188,742.07
120Aug 2029$669.91$869.79$1,539.70$188,072.16
121Sep 2029$673.00$866.70$1,539.70$187,399.16
122Oct 2029$676.10$863.60$1,539.70$186,723.06
123Nov 2029$679.22$860.48$1,539.70$186,043.84
124Dec 2029$682.35$857.35$1,539.70$185,361.49
2029 Total$7,984.73$10,491.67$18,476.4
125Jan 2030$685.49$854.21$1,539.70$184,676.00
126Feb 2030$688.65$851.05$1,539.70$183,987.35
127Mar 2030$691.82$847.88$1,539.70$183,295.53
128Apr 2030$695.01$844.69$1,539.70$182,600.52
129May 2030$698.22$841.48$1,539.70$181,902.30
130Jun 2030$701.43$838.27$1,539.70$181,200.87
131Jul 2030$704.67$835.03$1,539.70$180,496.20
132Aug 2030$707.91$831.79$1,539.70$179,788.29
133Sep 2030$711.18$828.52$1,539.70$179,077.11
134Oct 2030$714.45$825.25$1,539.70$178,362.66
135Nov 2030$717.75$821.95$1,539.70$177,644.91
136Dec 2030$721.05$818.65$1,539.70$176,923.86
2030 Total$8,437.63$10,038.77$18,476.4
137Jan 2031$724.38$815.32$1,539.70$176,199.48
138Feb 2031$727.71$811.99$1,539.70$175,471.77
139Mar 2031$731.07$808.63$1,539.70$174,740.70
140Apr 2031$734.44$805.26$1,539.70$174,006.26
141May 2031$737.82$801.88$1,539.70$173,268.44
142Jun 2031$741.22$798.48$1,539.70$172,527.22
143Jul 2031$744.64$795.06$1,539.70$171,782.58
144Aug 2031$748.07$791.63$1,539.70$171,034.51
145Sep 2031$751.52$788.18$1,539.70$170,282.99
146Oct 2031$754.98$784.72$1,539.70$169,528.01
147Nov 2031$758.46$781.24$1,539.70$168,769.55
148Dec 2031$761.95$777.75$1,539.70$168,007.60
2031 Total$8,916.26$9,560.14$18,476.4
149Jan 2032$765.46$774.24$1,539.70$167,242.14
150Feb 2032$768.99$770.71$1,539.70$166,473.15
151Mar 2032$772.54$767.16$1,539.70$165,700.61
152Apr 2032$776.10$763.60$1,539.70$164,924.51
153May 2032$779.67$760.03$1,539.70$164,144.84
154Jun 2032$783.27$756.43$1,539.70$163,361.57
155Jul 2032$786.88$752.82$1,539.70$162,574.69
156Aug 2032$790.50$749.20$1,539.70$161,784.19
157Sep 2032$794.14$745.56$1,539.70$160,990.05
158Oct 2032$797.80$741.90$1,539.70$160,192.25
159Nov 2032$801.48$738.22$1,539.70$159,390.77
160Dec 2032$805.17$734.53$1,539.70$158,585.60
2032 Total$9,422$9,054.4$18,476.4
161Jan 2033$808.88$730.82$1,539.70$157,776.72
162Feb 2033$812.61$727.09$1,539.70$156,964.11
163Mar 2033$816.36$723.34$1,539.70$156,147.75
164Apr 2033$820.12$719.58$1,539.70$155,327.63
165May 2033$823.90$715.80$1,539.70$154,503.73
166Jun 2033$827.70$712.00$1,539.70$153,676.03
167Jul 2033$831.51$708.19$1,539.70$152,844.52
168Aug 2033$835.34$704.36$1,539.70$152,009.18
169Sep 2033$839.19$700.51$1,539.70$151,169.99
170Oct 2033$843.06$696.64$1,539.70$150,326.93
171Nov 2033$846.94$692.76$1,539.70$149,479.99
172Dec 2033$850.85$688.85$1,539.70$148,629.14
2033 Total$9,956.46$8,519.94$18,476.4
173Jan 2034$854.77$684.93$1,539.70$147,774.37
174Feb 2034$858.71$680.99$1,539.70$146,915.66
175Mar 2034$862.66$677.04$1,539.70$146,053.00
176Apr 2034$866.64$673.06$1,539.70$145,186.36
177May 2034$870.63$669.07$1,539.70$144,315.73
178Jun 2034$874.65$665.05$1,539.70$143,441.08
179Jul 2034$878.68$661.02$1,539.70$142,562.40
180Aug 2034$882.72$656.98$1,539.70$141,679.68
181Sep 2034$886.79$652.91$1,539.70$140,792.89
182Oct 2034$890.88$648.82$1,539.70$139,902.01
183Nov 2034$894.98$644.72$1,539.70$139,007.03
184Dec 2034$899.11$640.59$1,539.70$138,107.92
2034 Total$10,521.22$7,955.18$18,476.4
185Jan 2035$903.25$636.45$1,539.70$137,204.67
186Feb 2035$907.42$632.28$1,539.70$136,297.25
187Mar 2035$911.60$628.10$1,539.70$135,385.65
188Apr 2035$915.80$623.90$1,539.70$134,469.85
189May 2035$920.02$619.68$1,539.70$133,549.83
190Jun 2035$924.26$615.44$1,539.70$132,625.57
191Jul 2035$928.52$611.18$1,539.70$131,697.05
192Aug 2035$932.80$606.90$1,539.70$130,764.25
193Sep 2035$937.09$602.61$1,539.70$129,827.16
194Oct 2035$941.41$598.29$1,539.70$128,885.75
195Nov 2035$945.75$593.95$1,539.70$127,940.00
196Dec 2035$950.11$589.59$1,539.70$126,989.89
2035 Total$11,118.03$7,358.37$18,476.4
197Jan 2036$954.49$585.21$1,539.70$126,035.40
198Feb 2036$958.89$580.81$1,539.70$125,076.51
199Mar 2036$963.31$576.39$1,539.70$124,113.20
200Apr 2036$967.75$571.95$1,539.70$123,145.45
201May 2036$972.20$567.50$1,539.70$122,173.25
202Jun 2036$976.68$563.02$1,539.70$121,196.57
203Jul 2036$981.19$558.51$1,539.70$120,215.38
204Aug 2036$985.71$553.99$1,539.70$119,229.67
205Sep 2036$990.25$549.45$1,539.70$118,239.42
206Oct 2036$994.81$544.89$1,539.70$117,244.61
207Nov 2036$999.40$540.30$1,539.70$116,245.21
208Dec 2036$1,004.00$535.70$1,539.70$115,241.21
2036 Total$11,748.68$6,727.72$18,476.4
209Jan 2037$1,008.63$531.07$1,539.70$114,232.58
210Feb 2037$1,013.28$526.42$1,539.70$113,219.30
211Mar 2037$1,017.95$521.75$1,539.70$112,201.35
212Apr 2037$1,022.64$517.06$1,539.70$111,178.71
213May 2037$1,027.35$512.35$1,539.70$110,151.36
214Jun 2037$1,032.09$507.61$1,539.70$109,119.27
215Jul 2037$1,036.84$502.86$1,539.70$108,082.43
216Aug 2037$1,041.62$498.08$1,539.70$107,040.81
217Sep 2037$1,046.42$493.28$1,539.70$105,994.39
218Oct 2037$1,051.24$488.46$1,539.70$104,943.15
219Nov 2037$1,056.09$483.61$1,539.70$103,887.06
220Dec 2037$1,060.95$478.75$1,539.70$102,826.11
2037 Total$12,415.1$6,061.3$18,476.4
221Jan 2038$1,065.84$473.86$1,539.70$101,760.27
222Feb 2038$1,070.75$468.95$1,539.70$100,689.52
223Mar 2038$1,075.69$464.01$1,539.70$99,613.83
224Apr 2038$1,080.65$459.05$1,539.70$98,533.18
225May 2038$1,085.63$454.07$1,539.70$97,447.55
226Jun 2038$1,090.63$449.07$1,539.70$96,356.92
227Jul 2038$1,095.66$444.04$1,539.70$95,261.26
228Aug 2038$1,100.70$439.00$1,539.70$94,160.56
229Sep 2038$1,105.78$433.92$1,539.70$93,054.78
230Oct 2038$1,110.87$428.83$1,539.70$91,943.91
231Nov 2038$1,115.99$423.71$1,539.70$90,827.92
232Dec 2038$1,121.13$418.57$1,539.70$89,706.79
2038 Total$13,119.32$5,357.08$18,476.4
233Jan 2039$1,126.30$413.40$1,539.70$88,580.49
234Feb 2039$1,131.49$408.21$1,539.70$87,449.00
235Mar 2039$1,136.71$402.99$1,539.70$86,312.29
236Apr 2039$1,141.94$397.76$1,539.70$85,170.35
237May 2039$1,147.21$392.49$1,539.70$84,023.14
238Jun 2039$1,152.49$387.21$1,539.70$82,870.65
239Jul 2039$1,157.80$381.90$1,539.70$81,712.85
240Aug 2039$1,163.14$376.56$1,539.70$80,549.71
241Sep 2039$1,168.50$371.20$1,539.70$79,381.21
242Oct 2039$1,173.88$365.82$1,539.70$78,207.33
243Nov 2039$1,179.29$360.41$1,539.70$77,028.04
244Dec 2039$1,184.73$354.97$1,539.70$75,843.31
2039 Total$13,863.48$4,612.92$18,476.4
245Jan 2040$1,190.19$349.51$1,539.70$74,653.12
246Feb 2040$1,195.67$344.03$1,539.70$73,457.45
247Mar 2040$1,201.18$338.52$1,539.70$72,256.27
248Apr 2040$1,206.72$332.98$1,539.70$71,049.55
249May 2040$1,212.28$327.42$1,539.70$69,837.27
250Jun 2040$1,217.87$321.83$1,539.70$68,619.40
251Jul 2040$1,223.48$316.22$1,539.70$67,395.92
252Aug 2040$1,229.12$310.58$1,539.70$66,166.80
253Sep 2040$1,234.78$304.92$1,539.70$64,932.02
254Oct 2040$1,240.47$299.23$1,539.70$63,691.55
255Nov 2040$1,246.19$293.51$1,539.70$62,445.36
256Dec 2040$1,251.93$287.77$1,539.70$61,193.43
2040 Total$14,649.88$3,826.52$18,476.4
257Jan 2041$1,257.70$282.00$1,539.70$59,935.73
258Feb 2041$1,263.50$276.20$1,539.70$58,672.23
259Mar 2041$1,269.32$270.38$1,539.70$57,402.91
260Apr 2041$1,275.17$264.53$1,539.70$56,127.74
261May 2041$1,281.04$258.66$1,539.70$54,846.70
262Jun 2041$1,286.95$252.75$1,539.70$53,559.75
263Jul 2041$1,292.88$246.82$1,539.70$52,266.87
264Aug 2041$1,298.84$240.86$1,539.70$50,968.03
265Sep 2041$1,304.82$234.88$1,539.70$49,663.21
266Oct 2041$1,310.84$228.86$1,539.70$48,352.37
267Nov 2041$1,316.88$222.82$1,539.70$47,035.49
268Dec 2041$1,322.94$216.76$1,539.70$45,712.55
2041 Total$15,480.88$2,995.52$18,476.4
269Jan 2042$1,329.04$210.66$1,539.70$44,383.51
270Feb 2042$1,335.17$204.53$1,539.70$43,048.34
271Mar 2042$1,341.32$198.38$1,539.70$41,707.02
272Apr 2042$1,347.50$192.20$1,539.70$40,359.52
273May 2042$1,353.71$185.99$1,539.70$39,005.81
274Jun 2042$1,359.95$179.75$1,539.70$37,645.86
275Jul 2042$1,366.22$173.48$1,539.70$36,279.64
276Aug 2042$1,372.51$167.19$1,539.70$34,907.13
277Sep 2042$1,378.84$160.86$1,539.70$33,528.29
278Oct 2042$1,385.19$154.51$1,539.70$32,143.10
279Nov 2042$1,391.57$148.13$1,539.70$30,751.53
280Dec 2042$1,397.99$141.71$1,539.70$29,353.54
2042 Total$16,359.01$2,117.39$18,476.4
281Jan 2043$1,404.43$135.27$1,539.70$27,949.11
282Feb 2043$1,410.90$128.80$1,539.70$26,538.21
283Mar 2043$1,417.40$122.30$1,539.70$25,120.81
284Apr 2043$1,423.93$115.77$1,539.70$23,696.88
285May 2043$1,430.50$109.20$1,539.70$22,266.38
286Jun 2043$1,437.09$102.61$1,539.70$20,829.29
287Jul 2043$1,443.71$95.99$1,539.70$19,385.58
288Aug 2043$1,450.36$89.34$1,539.70$17,935.22
289Sep 2043$1,457.05$82.65$1,539.70$16,478.17
290Oct 2043$1,463.76$75.94$1,539.70$15,014.41
291Nov 2043$1,470.51$69.19$1,539.70$13,543.90
292Dec 2043$1,477.29$62.41$1,539.70$12,066.61
2043 Total$17,286.93$1,189.47$18,476.4
293Jan 2044$1,484.09$55.61$1,539.70$10,582.52
294Feb 2044$1,490.93$48.77$1,539.70$9,091.59
295Mar 2044$1,497.80$41.90$1,539.70$7,593.79
296Apr 2044$1,504.71$34.99$1,539.70$6,089.08
297May 2044$1,511.64$28.06$1,539.70$4,577.44
298Jun 2044$1,518.61$21.09$1,539.70$3,058.83
299Jul 2044$1,525.60$14.10$1,539.70$1,533.23
300Aug 2044$1,532.63$7.07$1,539.70$0.60
2044 Total$12,066.01$251.59$12,317.6
Compare your product with the big 4 banks, or add more products to compare
As seen on