Introductory Rate Loan Calculator
See what happens to your repayments when a honeymoon rate ends — and how to avoid "payment shock."
Loan details
$600,000 · 30 yrs · Monthly
$
yrs
Introductory offer
5.00% for 12 mo · then 6.50%
%
Typically 6–24 months
mo
The lender's standard rate after the intro period
%
Your rate timeline
Intro: 5.00%Revert: 6.50%
During intro period
$0
per month
After 12 months (intro ends)
$0
per month
Payment shock
+$0/mo
your repayment increases by 0% when the intro rate ends
Smart strategy: bank the difference
Turn on "Bank the difference" to pay an extra $0/mo during your intro period — the gap between your intro and revert repayments. This builds extra equity, so when the rate reverts your new repayment is calculated on a smaller balance.
Total interest
$0
Balance at revert
$0
Intro savings
$0
Important information: This calculator provides estimates only and does not constitute financial or credit advice, a loan offer, or pre-approval. It assumes the introductory and revert interest rates entered remain unchanged for the periods shown — in practice, variable interest rates change over time, which will affect actual repayments and total interest paid. Figures do not include loan fees, government charges, or account features such as offset or redraw facilities. If "Bank the difference" is enabled, the results assume you pay the full additional amount shown, on top of your minimum introductory repayment, for the entire introductory period without interruption. Speak with us for an assessment based on your actual loan and circumstances.
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