What would your repayments be?

This works out a standard amortised repayment. Early on, most of each payment is interest and only a little chips away at the balance. As the years pass that flips, and more of every payment goes to principal. It's why the total interest number can look so big on a 30-year loan.

Play with the inputs and you'll see the levers. Switching from monthly to fortnightly repayments quietly squeezes in the equivalent of an extra month a year, which can take years off the loan. Shortening the term lifts each repayment but cuts the total interest sharply. And even a small change in rate moves the monthly figure more than most people expect.

The rate you plug in here is your call, because I don't publish or promise rates. What I can do is shop your scenario across a panel of more than 40 lenders and find one that fits. If you've already got a loan, it's worth seeing whether refinancing could sharpen these numbers, and if you're still saving, check your borrowing power first.