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Interest only calculator

See how interest-only repayments compare to principal & interest, and what happens once the interest-only period ends.

Loan details

Loan amount

Interest rate (% p.a.)

Total loan term (years)

Interest-only period (years)

Interest-only repayment

$3,288

Repayment after IO period$4,468

Remaining term after IO25 yrs

Equivalent P&I from day one$3,916

Extra cost vs P&I over term$41,200

Estimate only, principal & interest, excludes fees and rate changes. Speak with us for advice tailored to you.

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Flex Mortgage Solutions

Independent mortgage broking for home buyers, investors and business owners across Sydney — flexible finance, honest advice, over 40 lenders.

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© 2026 Flex Mortgage Solutions. All rights reserved. Australian Credit Representative 452934. Calculators are estimates only and do not constitute financial advice.