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AustraliaVariable or fixed?
Variable is flexible with free extra repayments and offset accounts but rates move with the market; fixed locks certainty for a period but limits extra repayments. Many borrowers choose variable or a split loan.
Australia Mortgage Calculator
Enter price, deposit, rate and term to calculate payments using Australian conventions.
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基于您输入的参数计算，实际结果以银行/贷款机构为准。
还款计划明细
| 期数 | 还款额 | 本金 | 利息 | 剩余本金 |
|---|
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选择国家查看对应的房贷计算规则与参数默认值。
How Australian Home Loans Work
Australian home loans are mostly variable-rate products, quoted annually and charged monthly (monthly rate = annual rate ÷ 12). Average owner-occupier variable rates were about 6.2%–6.9% in 2026; investment loans usually cost more.
When the loan-to-value ratio (LVR) exceeds 80%, lenders generally require Lenders Mortgage Insurance (LMI) at a reference premium of about 2% of the loan (varies by state and lender), often added to the loan.
Australian terms run up to 30 years, with monthly or fortnightly repayments. Fortnightly payments (half the monthly payment, 26 times a year) effectively add one extra monthly payment per year.
Key Points
· Monthly rate = Annual rate ÷ 12
· LVR = Loan ÷ value; LVR > 80% usually means LMI
· Fortnightly payment = monthly ÷ 2, 26 times a year
· An offset account can reduce the interest you pay
Example: price A$800,000, 20% deposit, 6.3% rate, 30 years → loan A$640,000, payment ≈ A$3,961/month.
Key Terms
LVR：The loan-to-value ratio. Above 80%, Lenders Mortgage Insurance (LMI) is usually required.
Offset account：A transaction account linked to the loan whose balance offsets the principal for interest purposes — a common Australian interest saver.
Rate source: Reserve Bank of Australia
Disclaimer: Results are for reference only and do not constitute financial, legal or investment advice. Actual rates, fees, insurance and policies depend on your local lender and regulator; results may differ due to rounding and lender formulas.
Mortgage Rules Compared
The same logic adapted to each country's rate convention, minimum down payment and mandatory insurance. Click a country to switch.
| Country | Min down | Compounding | Mortgage insurance | Typical term |
|---|---|---|---|---|
| China | 15%+ | Monthly | None | Up to 30 yr |
| United States | 3%+ | Monthly | PMI if LTV>80% | 15 / 30 yr |
| Canada | 5%+ | Semi-annual | CMHC below 20% | 25 yr |
| United Kingdom | 5%+ | Monthly | None | 2/5-yr fix + 25 yr |
| Australia | 5%+ | Monthly | LMI if LVR>80% | Up to 30 yr |
常见问题
What is LMI and can I avoid it?
LMI protects the lender when LVR exceeds 80%. A 20%+ deposit avoids it; some professions and products offer LMI waivers.
Do fortnightly repayments really save money?
Yes. Half your monthly payment every fortnight means 26 payments a year — one extra month annually, typically shaving years off the loan and saving thousands in interest.
What is an offset account?
An offset account is a transaction account linked to the loan; its balance offsets the same amount of principal for interest purposes, effectively a high-interest savings offset — a popular Australian money-saver.
Why are investment rates higher?
Investment loans carry more risk and policy cost, typically 0.3%–0.8% above owner-occupier rates. This calculator defaults to owner-occupier; adjust for investment loans.