Low Rate Home Loan with Offset (Principal and Interest) (LVR < 80%) from State Custodians

Monthly Repayment Schedule

Results are estimates only. Please allow for slight rounding differences.
Borrow amount
$250,000
Advertised rate
3.15%
Variable
Loan term
over 25 years
Repayment Frequency
Monthly
Monthly repayment
$1,205
Number of Repayments
300
Total Interest Paid
$111,500
Total repayments
$361,500
DatePrincipleInterestPaymentBalance
1Oct 2019$548.87$656.25$1,205.12$249,451.13
2Nov 2019$550.31$654.81$1,205.12$248,900.82
3Dec 2019$551.76$653.36$1,205.12$248,349.06
2019 Total$1,650.94$1,964.42$3,615.36
4Jan 2020$553.20$651.92$1,205.12$247,795.86
5Feb 2020$554.66$650.46$1,205.12$247,241.20
6Mar 2020$556.11$649.01$1,205.12$246,685.09
7Apr 2020$557.57$647.55$1,205.12$246,127.52
8May 2020$559.04$646.08$1,205.12$245,568.48
9Jun 2020$560.50$644.62$1,205.12$245,007.98
10Jul 2020$561.97$643.15$1,205.12$244,446.01
11Aug 2020$563.45$641.67$1,205.12$243,882.56
12Sep 2020$564.93$640.19$1,205.12$243,317.63
13Oct 2020$566.41$638.71$1,205.12$242,751.22
14Nov 2020$567.90$637.22$1,205.12$242,183.32
15Dec 2020$569.39$635.73$1,205.12$241,613.93
2020 Total$6,735.13$7,726.31$14,461.44
16Jan 2021$570.88$634.24$1,205.12$241,043.05
17Feb 2021$572.38$632.74$1,205.12$240,470.67
18Mar 2021$573.88$631.24$1,205.12$239,896.79
19Apr 2021$575.39$629.73$1,205.12$239,321.40
20May 2021$576.90$628.22$1,205.12$238,744.50
21Jun 2021$578.42$626.70$1,205.12$238,166.08
22Jul 2021$579.93$625.19$1,205.12$237,586.15
23Aug 2021$581.46$623.66$1,205.12$237,004.69
24Sep 2021$582.98$622.14$1,205.12$236,421.71
25Oct 2021$584.51$620.61$1,205.12$235,837.20
26Nov 2021$586.05$619.07$1,205.12$235,251.15
27Dec 2021$587.59$617.53$1,205.12$234,663.56
2021 Total$6,950.37$7,511.07$14,461.44
28Jan 2022$589.13$615.99$1,205.12$234,074.43
29Feb 2022$590.67$614.45$1,205.12$233,483.76
30Mar 2022$592.23$612.89$1,205.12$232,891.53
31Apr 2022$593.78$611.34$1,205.12$232,297.75
32May 2022$595.34$609.78$1,205.12$231,702.41
33Jun 2022$596.90$608.22$1,205.12$231,105.51
34Jul 2022$598.47$606.65$1,205.12$230,507.04
35Aug 2022$600.04$605.08$1,205.12$229,907.00
36Sep 2022$601.61$603.51$1,205.12$229,305.39
37Oct 2022$603.19$601.93$1,205.12$228,702.20
38Nov 2022$604.78$600.34$1,205.12$228,097.42
39Dec 2022$606.36$598.76$1,205.12$227,491.06
2022 Total$7,172.5$7,288.94$14,461.44
40Jan 2023$607.96$597.16$1,205.12$226,883.10
41Feb 2023$609.55$595.57$1,205.12$226,273.55
42Mar 2023$611.15$593.97$1,205.12$225,662.40
43Apr 2023$612.76$592.36$1,205.12$225,049.64
44May 2023$614.36$590.76$1,205.12$224,435.28
45Jun 2023$615.98$589.14$1,205.12$223,819.30
46Jul 2023$617.59$587.53$1,205.12$223,201.71
47Aug 2023$619.22$585.90$1,205.12$222,582.49
48Sep 2023$620.84$584.28$1,205.12$221,961.65
49Oct 2023$622.47$582.65$1,205.12$221,339.18
50Nov 2023$624.10$581.02$1,205.12$220,715.08
51Dec 2023$625.74$579.38$1,205.12$220,089.34
2023 Total$7,401.72$7,059.72$14,461.44
52Jan 2024$627.39$577.73$1,205.12$219,461.95
53Feb 2024$629.03$576.09$1,205.12$218,832.92
54Mar 2024$630.68$574.44$1,205.12$218,202.24
55Apr 2024$632.34$572.78$1,205.12$217,569.90
56May 2024$634.00$571.12$1,205.12$216,935.90
57Jun 2024$635.66$569.46$1,205.12$216,300.24
58Jul 2024$637.33$567.79$1,205.12$215,662.91
59Aug 2024$639.00$566.12$1,205.12$215,023.91
60Sep 2024$640.68$564.44$1,205.12$214,383.23
61Oct 2024$642.36$562.76$1,205.12$213,740.87
62Nov 2024$644.05$561.07$1,205.12$213,096.82
63Dec 2024$645.74$559.38$1,205.12$212,451.08
2024 Total$7,638.26$6,823.18$14,461.44
64Jan 2025$647.44$557.68$1,205.12$211,803.64
65Feb 2025$649.14$555.98$1,205.12$211,154.50
66Mar 2025$650.84$554.28$1,205.12$210,503.66
67Apr 2025$652.55$552.57$1,205.12$209,851.11
68May 2025$654.26$550.86$1,205.12$209,196.85
69Jun 2025$655.98$549.14$1,205.12$208,540.87
70Jul 2025$657.70$547.42$1,205.12$207,883.17
71Aug 2025$659.43$545.69$1,205.12$207,223.74
72Sep 2025$661.16$543.96$1,205.12$206,562.58
73Oct 2025$662.89$542.23$1,205.12$205,899.69
74Nov 2025$664.63$540.49$1,205.12$205,235.06
75Dec 2025$666.38$538.74$1,205.12$204,568.68
2025 Total$7,882.4$6,579.04$14,461.44
76Jan 2026$668.13$536.99$1,205.12$203,900.55
77Feb 2026$669.88$535.24$1,205.12$203,230.67
78Mar 2026$671.64$533.48$1,205.12$202,559.03
79Apr 2026$673.40$531.72$1,205.12$201,885.63
80May 2026$675.17$529.95$1,205.12$201,210.46
81Jun 2026$676.94$528.18$1,205.12$200,533.52
82Jul 2026$678.72$526.40$1,205.12$199,854.80
83Aug 2026$680.50$524.62$1,205.12$199,174.30
84Sep 2026$682.29$522.83$1,205.12$198,492.01
85Oct 2026$684.08$521.04$1,205.12$197,807.93
86Nov 2026$685.87$519.25$1,205.12$197,122.06
87Dec 2026$687.67$517.45$1,205.12$196,434.39
2026 Total$8,134.29$6,327.15$14,461.44
88Jan 2027$689.48$515.64$1,205.12$195,744.91
89Feb 2027$691.29$513.83$1,205.12$195,053.62
90Mar 2027$693.10$512.02$1,205.12$194,360.52
91Apr 2027$694.92$510.20$1,205.12$193,665.60
92May 2027$696.75$508.37$1,205.12$192,968.85
93Jun 2027$698.58$506.54$1,205.12$192,270.27
94Jul 2027$700.41$504.71$1,205.12$191,569.86
95Aug 2027$702.25$502.87$1,205.12$190,867.61
96Sep 2027$704.09$501.03$1,205.12$190,163.52
97Oct 2027$705.94$499.18$1,205.12$189,457.58
98Nov 2027$707.79$497.33$1,205.12$188,749.79
99Dec 2027$709.65$495.47$1,205.12$188,040.14
2027 Total$8,394.25$6,067.19$14,461.44
100Jan 2028$711.51$493.61$1,205.12$187,328.63
101Feb 2028$713.38$491.74$1,205.12$186,615.25
102Mar 2028$715.25$489.87$1,205.12$185,900.00
103Apr 2028$717.13$487.99$1,205.12$185,182.87
104May 2028$719.01$486.11$1,205.12$184,463.86
105Jun 2028$720.90$484.22$1,205.12$183,742.96
106Jul 2028$722.79$482.33$1,205.12$183,020.17
107Aug 2028$724.69$480.43$1,205.12$182,295.48
108Sep 2028$726.59$478.53$1,205.12$181,568.89
109Oct 2028$728.50$476.62$1,205.12$180,840.39
110Nov 2028$730.41$474.71$1,205.12$180,109.98
111Dec 2028$732.33$472.79$1,205.12$179,377.65
2028 Total$8,662.49$5,798.95$14,461.44
112Jan 2029$734.25$470.87$1,205.12$178,643.40
113Feb 2029$736.18$468.94$1,205.12$177,907.22
114Mar 2029$738.11$467.01$1,205.12$177,169.11
115Apr 2029$740.05$465.07$1,205.12$176,429.06
116May 2029$741.99$463.13$1,205.12$175,687.07
117Jun 2029$743.94$461.18$1,205.12$174,943.13
118Jul 2029$745.89$459.23$1,205.12$174,197.24
119Aug 2029$747.85$457.27$1,205.12$173,449.39
120Sep 2029$749.82$455.30$1,205.12$172,699.57
121Oct 2029$751.78$453.34$1,205.12$171,947.79
122Nov 2029$753.76$451.36$1,205.12$171,194.03
123Dec 2029$755.74$449.38$1,205.12$170,438.29
2029 Total$8,939.36$5,522.08$14,461.44
124Jan 2030$757.72$447.40$1,205.12$169,680.57
125Feb 2030$759.71$445.41$1,205.12$168,920.86
126Mar 2030$761.70$443.42$1,205.12$168,159.16
127Apr 2030$763.70$441.42$1,205.12$167,395.46
128May 2030$765.71$439.41$1,205.12$166,629.75
129Jun 2030$767.72$437.40$1,205.12$165,862.03
130Jul 2030$769.73$435.39$1,205.12$165,092.30
131Aug 2030$771.75$433.37$1,205.12$164,320.55
132Sep 2030$773.78$431.34$1,205.12$163,546.77
133Oct 2030$775.81$429.31$1,205.12$162,770.96
134Nov 2030$777.85$427.27$1,205.12$161,993.11
135Dec 2030$779.89$425.23$1,205.12$161,213.22
2030 Total$9,225.07$5,236.37$14,461.44
136Jan 2031$781.94$423.18$1,205.12$160,431.28
137Feb 2031$783.99$421.13$1,205.12$159,647.29
138Mar 2031$786.05$419.07$1,205.12$158,861.24
139Apr 2031$788.11$417.01$1,205.12$158,073.13
140May 2031$790.18$414.94$1,205.12$157,282.95
141Jun 2031$792.25$412.87$1,205.12$156,490.70
142Jul 2031$794.33$410.79$1,205.12$155,696.37
143Aug 2031$796.42$408.70$1,205.12$154,899.95
144Sep 2031$798.51$406.61$1,205.12$154,101.44
145Oct 2031$800.60$404.52$1,205.12$153,300.84
146Nov 2031$802.71$402.41$1,205.12$152,498.13
147Dec 2031$804.81$400.31$1,205.12$151,693.32
2031 Total$9,519.9$4,941.54$14,461.44
148Jan 2032$806.93$398.19$1,205.12$150,886.39
149Feb 2032$809.04$396.08$1,205.12$150,077.35
150Mar 2032$811.17$393.95$1,205.12$149,266.18
151Apr 2032$813.30$391.82$1,205.12$148,452.88
152May 2032$815.43$389.69$1,205.12$147,637.45
153Jun 2032$817.57$387.55$1,205.12$146,819.88
154Jul 2032$819.72$385.40$1,205.12$146,000.16
155Aug 2032$821.87$383.25$1,205.12$145,178.29
156Sep 2032$824.03$381.09$1,205.12$144,354.26
157Oct 2032$826.19$378.93$1,205.12$143,528.07
158Nov 2032$828.36$376.76$1,205.12$142,699.71
159Dec 2032$830.53$374.59$1,205.12$141,869.18
2032 Total$9,824.14$4,637.3$14,461.44
160Jan 2033$832.71$372.41$1,205.12$141,036.47
161Feb 2033$834.90$370.22$1,205.12$140,201.57
162Mar 2033$837.09$368.03$1,205.12$139,364.48
163Apr 2033$839.29$365.83$1,205.12$138,525.19
164May 2033$841.49$363.63$1,205.12$137,683.70
165Jun 2033$843.70$361.42$1,205.12$136,840.00
166Jul 2033$845.91$359.21$1,205.12$135,994.09
167Aug 2033$848.14$356.98$1,205.12$135,145.95
168Sep 2033$850.36$354.76$1,205.12$134,295.59
169Oct 2033$852.59$352.53$1,205.12$133,443.00
170Nov 2033$854.83$350.29$1,205.12$132,588.17
171Dec 2033$857.08$348.04$1,205.12$131,731.09
2033 Total$10,138.09$4,323.35$14,461.44
172Jan 2034$859.33$345.79$1,205.12$130,871.76
173Feb 2034$861.58$343.54$1,205.12$130,010.18
174Mar 2034$863.84$341.28$1,205.12$129,146.34
175Apr 2034$866.11$339.01$1,205.12$128,280.23
176May 2034$868.38$336.74$1,205.12$127,411.85
177Jun 2034$870.66$334.46$1,205.12$126,541.19
178Jul 2034$872.95$332.17$1,205.12$125,668.24
179Aug 2034$875.24$329.88$1,205.12$124,793.00
180Sep 2034$877.54$327.58$1,205.12$123,915.46
181Oct 2034$879.84$325.28$1,205.12$123,035.62
182Nov 2034$882.15$322.97$1,205.12$122,153.47
183Dec 2034$884.47$320.65$1,205.12$121,269.00
2034 Total$10,462.09$3,999.35$14,461.44
184Jan 2035$886.79$318.33$1,205.12$120,382.21
185Feb 2035$889.12$316.00$1,205.12$119,493.09
186Mar 2035$891.45$313.67$1,205.12$118,601.64
187Apr 2035$893.79$311.33$1,205.12$117,707.85
188May 2035$896.14$308.98$1,205.12$116,811.71
189Jun 2035$898.49$306.63$1,205.12$115,913.22
190Jul 2035$900.85$304.27$1,205.12$115,012.37
191Aug 2035$903.21$301.91$1,205.12$114,109.16
192Sep 2035$905.58$299.54$1,205.12$113,203.58
193Oct 2035$907.96$297.16$1,205.12$112,295.62
194Nov 2035$910.34$294.78$1,205.12$111,385.28
195Dec 2035$912.73$292.39$1,205.12$110,472.55
2035 Total$10,796.45$3,664.99$14,461.44
196Jan 2036$915.13$289.99$1,205.12$109,557.42
197Feb 2036$917.53$287.59$1,205.12$108,639.89
198Mar 2036$919.94$285.18$1,205.12$107,719.95
199Apr 2036$922.36$282.76$1,205.12$106,797.59
200May 2036$924.78$280.34$1,205.12$105,872.81
201Jun 2036$927.20$277.92$1,205.12$104,945.61
202Jul 2036$929.64$275.48$1,205.12$104,015.97
203Aug 2036$932.08$273.04$1,205.12$103,083.89
204Sep 2036$934.52$270.60$1,205.12$102,149.37
205Oct 2036$936.98$268.14$1,205.12$101,212.39
206Nov 2036$939.44$265.68$1,205.12$100,272.95
207Dec 2036$941.90$263.22$1,205.12$99,331.05
2036 Total$11,141.5$3,319.94$14,461.44
208Jan 2037$944.38$260.74$1,205.12$98,386.67
209Feb 2037$946.85$258.27$1,205.12$97,439.82
210Mar 2037$949.34$255.78$1,205.12$96,490.48
211Apr 2037$951.83$253.29$1,205.12$95,538.65
212May 2037$954.33$250.79$1,205.12$94,584.32
213Jun 2037$956.84$248.28$1,205.12$93,627.48
214Jul 2037$959.35$245.77$1,205.12$92,668.13
215Aug 2037$961.87$243.25$1,205.12$91,706.26
216Sep 2037$964.39$240.73$1,205.12$90,741.87
217Oct 2037$966.92$238.20$1,205.12$89,774.95
218Nov 2037$969.46$235.66$1,205.12$88,805.49
219Dec 2037$972.01$233.11$1,205.12$87,833.48
2037 Total$11,497.57$2,963.87$14,461.44
220Jan 2038$974.56$230.56$1,205.12$86,858.92
221Feb 2038$977.12$228.00$1,205.12$85,881.80
222Mar 2038$979.68$225.44$1,205.12$84,902.12
223Apr 2038$982.25$222.87$1,205.12$83,919.87
224May 2038$984.83$220.29$1,205.12$82,935.04
225Jun 2038$987.42$217.70$1,205.12$81,947.62
226Jul 2038$990.01$215.11$1,205.12$80,957.61
227Aug 2038$992.61$212.51$1,205.12$79,965.00
228Sep 2038$995.21$209.91$1,205.12$78,969.79
229Oct 2038$997.82$207.30$1,205.12$77,971.97
230Nov 2038$1,000.44$204.68$1,205.12$76,971.53
231Dec 2038$1,003.07$202.05$1,205.12$75,968.46
2038 Total$11,865.02$2,596.42$14,461.44
232Jan 2039$1,005.70$199.42$1,205.12$74,962.76
233Feb 2039$1,008.34$196.78$1,205.12$73,954.42
234Mar 2039$1,010.99$194.13$1,205.12$72,943.43
235Apr 2039$1,013.64$191.48$1,205.12$71,929.79
236May 2039$1,016.30$188.82$1,205.12$70,913.49
237Jun 2039$1,018.97$186.15$1,205.12$69,894.52
238Jul 2039$1,021.65$183.47$1,205.12$68,872.87
239Aug 2039$1,024.33$180.79$1,205.12$67,848.54
240Sep 2039$1,027.02$178.10$1,205.12$66,821.52
241Oct 2039$1,029.71$175.41$1,205.12$65,791.81
242Nov 2039$1,032.42$172.70$1,205.12$64,759.39
243Dec 2039$1,035.13$169.99$1,205.12$63,724.26
2039 Total$12,244.2$2,217.24$14,461.44
244Jan 2040$1,037.84$167.28$1,205.12$62,686.42
245Feb 2040$1,040.57$164.55$1,205.12$61,645.85
246Mar 2040$1,043.30$161.82$1,205.12$60,602.55
247Apr 2040$1,046.04$159.08$1,205.12$59,556.51
248May 2040$1,048.78$156.34$1,205.12$58,507.73
249Jun 2040$1,051.54$153.58$1,205.12$57,456.19
250Jul 2040$1,054.30$150.82$1,205.12$56,401.89
251Aug 2040$1,057.07$148.05$1,205.12$55,344.82
252Sep 2040$1,059.84$145.28$1,205.12$54,284.98
253Oct 2040$1,062.62$142.50$1,205.12$53,222.36
254Nov 2040$1,065.41$139.71$1,205.12$52,156.95
255Dec 2040$1,068.21$136.91$1,205.12$51,088.74
2040 Total$12,635.52$1,825.92$14,461.44
256Jan 2041$1,071.01$134.11$1,205.12$50,017.73
257Feb 2041$1,073.82$131.30$1,205.12$48,943.91
258Mar 2041$1,076.64$128.48$1,205.12$47,867.27
259Apr 2041$1,079.47$125.65$1,205.12$46,787.80
260May 2041$1,082.30$122.82$1,205.12$45,705.50
261Jun 2041$1,085.14$119.98$1,205.12$44,620.36
262Jul 2041$1,087.99$117.13$1,205.12$43,532.37
263Aug 2041$1,090.85$114.27$1,205.12$42,441.52
264Sep 2041$1,093.71$111.41$1,205.12$41,347.81
265Oct 2041$1,096.58$108.54$1,205.12$40,251.23
266Nov 2041$1,099.46$105.66$1,205.12$39,151.77
267Dec 2041$1,102.35$102.77$1,205.12$38,049.42
2041 Total$13,039.32$1,422.12$14,461.44
268Jan 2042$1,105.24$99.88$1,205.12$36,944.18
269Feb 2042$1,108.14$96.98$1,205.12$35,836.04
270Mar 2042$1,111.05$94.07$1,205.12$34,724.99
271Apr 2042$1,113.97$91.15$1,205.12$33,611.02
272May 2042$1,116.89$88.23$1,205.12$32,494.13
273Jun 2042$1,119.82$85.30$1,205.12$31,374.31
274Jul 2042$1,122.76$82.36$1,205.12$30,251.55
275Aug 2042$1,125.71$79.41$1,205.12$29,125.84
276Sep 2042$1,128.66$76.46$1,205.12$27,997.18
277Oct 2042$1,131.63$73.49$1,205.12$26,865.55
278Nov 2042$1,134.60$70.52$1,205.12$25,730.95
279Dec 2042$1,137.58$67.54$1,205.12$24,593.37
2042 Total$13,456.05$1,005.39$14,461.44
280Jan 2043$1,140.56$64.56$1,205.12$23,452.81
281Feb 2043$1,143.56$61.56$1,205.12$22,309.25
282Mar 2043$1,146.56$58.56$1,205.12$21,162.69
283Apr 2043$1,149.57$55.55$1,205.12$20,013.12
284May 2043$1,152.59$52.53$1,205.12$18,860.53
285Jun 2043$1,155.61$49.51$1,205.12$17,704.92
286Jul 2043$1,158.64$46.48$1,205.12$16,546.28
287Aug 2043$1,161.69$43.43$1,205.12$15,384.59
288Sep 2043$1,164.74$40.38$1,205.12$14,219.85
289Oct 2043$1,167.79$37.33$1,205.12$13,052.06
290Nov 2043$1,170.86$34.26$1,205.12$11,881.20
291Dec 2043$1,173.93$31.19$1,205.12$10,707.27
2043 Total$13,886.1$575.34$14,461.44
292Jan 2044$1,177.01$28.11$1,205.12$9,530.26
293Feb 2044$1,180.10$25.02$1,205.12$8,350.16
294Mar 2044$1,183.20$21.92$1,205.12$7,166.96
295Apr 2044$1,186.31$18.81$1,205.12$5,980.65
296May 2044$1,189.42$15.70$1,205.12$4,791.23
297Jun 2044$1,192.54$12.58$1,205.12$3,598.69
298Jul 2044$1,195.67$9.45$1,205.12$2,403.02
299Aug 2044$1,198.81$6.31$1,205.12$1,204.21
300Sep 2044$1,201.96$3.16$1,205.12$2.25
2044 Total$10,705.02$141.06$10,846.08
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