ANZ Mortgage Repayment Calculator
Calculate your ANZ home loan repayments with extra contributions, fortnightly payoff schedules, and 100% offset accounts to save thousands in AUD interest.
Loan & Offset Settings
Repayment Impact
Amortization Schedule
Interactive breakdown of balance, interest, and prepayment impact
| Period | EMI Paid | Principal Paid | Extra Prepayment | Interest Paid | Total Payment | Remaining Balance |
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Frequently Asked Questions
How do fortnightly mortgage repayments save interest in Australia?
There are 26 fortnights in a year (equal to 13 full monthly payments). By paying half your monthly repayment every two weeks, you effectively make one extra month of repayment every single year without straining your monthly budget, which cuts ~4 to 5 years off a 30-year loan.
How does an ANZ 100% offset account work?
Every dollar sitting in an ANZ linked offset account reduces the loan balance on which daily interest is calculated. For example, on a $600,000 mortgage at 6.14%, having $40,000 in offset saves you ~$2,456 in tax-free interest annually.
Are there penalties for extra repayments on ANZ variable rate loans?
No. Standard Variable and Simplicity PLUS home loans at ANZ allow unlimited fee-free extra repayments and free online redraw.