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  • Loan Calculator Assumptions:
    Loan repayments calculator
    The results generated should only be used as an estimate only and are based upon the information you input to the calculator. A number of assumptions when producing the calculations have been made, including:
    •Fees: No fees and charges have been taken account. Please note that other financial institution fees, government fees and related financial institution package fees may apply.
    •Loan term and loan amount: The loan term and loan amount are what you input into the calculator.
    •Interest rates: The rate you enter, is the rate that will apply to your loan for the entire loan term – even if you choose:
    •a variable rate; or
    •a fixed rate or interest only rate which, in practice, will only apply for a limited period after which a different rate will apply.
    •As rates are subject to change, the rate that is current for a product today may not be the rate that actually applies to your loan.
    •Interest and repayments: The displayed total monthly loan repayment is the interest and principal payable for the entire loan term, calculated on the assumed interest rate.
The following assumptions apply to loan repayments:
    •repayments are made monthly.
    •your annual interest charge is divided equally over 12 monthly payments (in practice, interest is calculated daily and charged monthly which can lead to your interest charge varying between months).
    •interest is charged to the loan account monthly at the same frequency and on the same day as the repayments are made (this may not be the case for your loan).
    •Only your initial repayment amount is calculated. It is assumed that this loan repayment amount is payable for the entire loan term. Repayment amounts can change for a variety of reasons, including to reflect interest rate change changes and any changes to your repayment type.
    For a more detailed discussion on your particular finance requirements please contact our specialist at our related finance broking business Mortgage Justice Solutions co – located at our offices.


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