St George Home Loan Calculator

The St George Home Loan Calculator is a comprehensive tool designed to help Australian homeowners and prospective buyers understand their mortgage options with St George Bank. Whether you're calculating standard repayments, determining your borrowing power, exploring offset account benefits, planning extra repayments, or considering refinancing, this calculator provides detailed insights to help you make informed financial decisions.

St George Bank, part of the Westpac Group, offers a range of home loan products tailored to Australian borrowers. Our calculator supports multiple calculation modes to match different needs. The repayment calculator helps you understand your monthly obligations, total interest costs, and complete payment schedules. The borrowing power calculator estimates how much you can borrow based on your income, expenses, and financial commitments, using St George's typical lending criteria.

Offset accounts are a popular feature of St George home loans, allowing you to reduce interest charges by maintaining a balance that offsets your loan principal. Our offset calculator shows exactly how much interest you can save and how much time you can shave off your loan term by maintaining funds in an offset account. This feature is particularly valuable for borrowers who have variable income or want flexibility while still reducing their interest costs.

Extra repayments can significantly reduce both your interest costs and loan term. Our extra repayment calculator allows you to model scenarios with additional monthly payments or one-time lump sum payments. You can see how making extra repayments affects your total interest paid and how quickly you can pay off your loan. This is especially useful for planning bonuses, tax refunds, or regular additional payments.

Refinancing can be a smart financial move if you can secure a lower interest rate or better terms. Our refinance calculator compares your current loan with potential new loan terms, showing monthly savings, total savings over the life of the loan, and the break-even point where closing costs are recovered. This helps you determine whether refinancing makes financial sense for your situation.

All calculations include detailed payment schedules that can be exported to Excel for further analysis. The schedules show month-by-month breakdowns of principal and interest payments, helping you understand how your loan balance decreases over time. This transparency is essential for financial planning and budgeting.

When using this calculator, remember that actual loan terms, interest rates, and eligibility criteria may vary based on your individual circumstances, credit history, and St George's current lending policies. This calculator provides estimates for planning purposes and should be used alongside professional financial advice. Interest rates are subject to change, and loan approval is subject to St George's credit assessment process.

The calculator uses Australian dollar (AUD) currency and follows Australian mortgage calculation conventions. Payment schedules are generated with monthly payments, and all dates follow Australian date formats. Whether you're a first-time homebuyer, looking to refinance, or planning to pay off your loan faster, this comprehensive calculator provides the tools you need to make informed decisions about your St George home loan.