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Monthly principal and interest at a constant nominal rate divided by 12. Extra repayments reduce the balance; fees, rate changes and lender restrictions are excluded.

Rates are your assumptions, not lender offers. Cash-flow difference and interest-cost difference are separate. Break-even compares cumulative interest saved with upfront switching costs; excludes opportunity cost, tax, ongoing fee differences and future rate changes. The five-year result uses up to 60 months.

This is a repayment-budget scenario, not a lender borrowing-capacity assessment. Uses the net income, costs, debt repayments, reserve and rate stress you enter. It does not apply lender expense benchmarks, tax calculations, income shading, credit policy, DTI/LVR rules or a credit check. No approval or suitability is implied.

NSW standard residential duty is included using the 2026/27 general and premium rates. The budget must meet both the entered loan limit and LVR. No LMI estimate, concession, grant or foreign-buyer surcharge is included. Assumed borrowing is not lender approval.

Rates checked 29 October 2026. Revenue NSW rates and eligibility ↗

2026/27 NSW general and premium residential rates, rounded up to whole dollars; uses the higher of purchase price and market value. Standard residential acquisitions only. Excludes first-home concessions, foreign-buyer surcharge, exemptions, mixed-use/large-land rules and special transactions. Confirm the applicable date and treatment with Revenue NSW and your conveyancer.

Rates checked 29 October 2026. Revenue NSW rates and eligibility ↗

Assumes a 100% offset, a constant offset balance, monthly interest and unchanged scheduled repayment. The loan is repaid in full rather than netted against the offset at the end. Excludes fees, lender rules, daily-interest differences, rate changes and tax effects.

Illustrative interest-only cash flow. Construction funding is drawn in equal amounts at the beginning of each month; interest is paid monthly and not capitalised. The contingency is separate cash, not assumed drawn. Actual progress stages, inspections, delays, fees and loan conditions will differ.

Pre-tax cash flow based on monthly principal-and-interest repayments. No capital-growth forecast, depreciation, tax deduction or investment recommendation. Include management, rates, insurance, maintenance and other relevant costs in your estimate.