Loan Details
$
%
yrs
Offset Account
$
Loan Fees
$
Accelerated Repayments
Accelerated weekly & fortnightly repayments
Standard fortnightly = annual repayment ÷ 26. You make 26 payments that together equal exactly 12 monthly payments per year.
Accelerated fortnightly = monthly repayment ÷ 2. Because there are 26 fortnights but only 12 months, this equals 13 monthly payments per year — one extra payment annually, with no noticeable difference in each individual payment.
The same logic applies to weekly repayments (monthly ÷ 4, equals 13 monthly payments per year).
Over a 30-year loan, this can reduce the term by several years and save tens of thousands in interest.
Standard fortnightly = annual repayment ÷ 26. You make 26 payments that together equal exactly 12 monthly payments per year.
Accelerated fortnightly = monthly repayment ÷ 2. Because there are 26 fortnights but only 12 months, this equals 13 monthly payments per year — one extra payment annually, with no noticeable difference in each individual payment.
The same logic applies to weekly repayments (monthly ÷ 4, equals 13 monthly payments per year).
Over a 30-year loan, this can reduce the term by several years and save tens of thousands in interest.
Additional Repayments
$
Loan Repayment Calculator — Value Lending
Regular Repayment
$3,597
per month
Total Interest
$694,793
over loan term
Total Cost
$1,294,793
over 30 years
Loan Balance by Year
Standard
Cumulative Principal vs Interest
Cumulative principal
Cumulative interest
Annual Summary
Figures shown per year
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|
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These figures are estimates based on the inputs provided. For a full assessment of your borrowing position and repayment structure, speak with Value Lending.
Start a ConversationThis calculator provides estimates only and does not constitute financial advice. Actual repayments may vary based on lender policy, fees, and interest calculation methods. Value Lending Pty Ltd is a Corporate Credit Representative (515167) of Connective Credit Services Pty Ltd (ACL 389328).