Bank Repayment & Prepayment Presets
Every major lender and region has unique rules regarding overpayments, break costs, and offset accounts. Select your bank below for pre-configured calculator settings.
ANZ Mortgage & Loan Repayments
Fortnightly accelerated payments, 100% offset accounts, no redraw penalty on standard variable.
Launch Pre-Configured Calculator →ASB Home Loan Repayments
Orbit home loan flexi revolving credit, lump sum prepayments up to 5% annually on fixed terms.
Launch Pre-Configured Calculator →Barclays & Barclaycard Repayments
10% annual overpayment allowance without Early Repayment Charge (ERC) on fixed rate mortgages.
Launch Pre-Configured Calculator →DBS & OCBC Home Loan Repayments
SORA-pegged floating rates, partial prepayment after lock-in period, CPF integration.
Launch Pre-Configured Calculator →SBI & HDFC Home Loan Prepayment
Zero foreclosure penalty on floating rate loans under RBI regulations, Section 24(b) tax rules.
Launch Pre-Configured Calculator →Bond Repayment & Prepayment
Prime-linked bond rates, access bond facility with extra monthly transfers saving massive interest.
Launch Pre-Configured Calculator →Frequently Asked Questions
Do UK banks like Barclays allow mortgage overpayments?
Yes! Most UK fixed-rate mortgages (including Barclays, HSBC, Nationwide, and Halifax) allow you to overpay up to 10% of your remaining loan balance per year without incurring an Early Repayment Charge (ERC).
Are there prepayment fees for Indian banks like SBI or HDFC?
Under Reserve Bank of India (RBI) mandates, banks and housing finance companies cannot charge any prepayment penalty or foreclosure fee on floating-rate individual home loans.
How do Australian banks (ANZ, CBA, Westpac, NAB) treat extra repayments?
Variable rate home loans in Australia allow unlimited extra repayments with fee-free redraw facilities or 100% offset accounts that reduce daily interest compounding.