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Calculator Disclaimer — Home Loans & Refinance

Frontline Financial (Broking)

Credit representative details

Frontline Financial Pty Ltd

Authorised Credit Representative (CRN: 575968) of Australian Credit Licence No. 389087

Authorised to engage in credit activities.

Contact: Hassan Arif — Director, Accredited Member (FBAA), Finance Broker

Phone: 0422 959 486

Address: 150 George St, Parramatta NSW 2150

General disclaimer

Calculations are estimates only and are based on the accuracy of the information you enter.
Results do not constitute a loan offer, pre-approval, credit approval, or financial advice.
Frontline Financial Pty Ltd arranges home loan finance through authorised lenders — we do not provide credit directly.
All loan applications are subject to individual lender credit approval criteria, satisfactory security, and terms and conditions.
Interest rates used are indicative only and are subject to change without notice. Actual repayments may differ based on the lender's specific calculation method.
The calculator does not account for all fees and charges that may apply, including but not limited to: establishment fees, ongoing account fees, valuation fees, Lenders Mortgage Insurance (LMI), legal/conveyancing costs, stamp duty, or government charges.

General advice warning

This information is general in nature. It has been prepared without taking into account your personal objectives, financial situation, or needs. Before acting on this information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs. You should seek independent professional advice before making any financial decisions.

Calculation methodology

Mortgage — Principal & Interest

Monthly Repayment (M) = P × [r(1+r)^n] / [(1+r)^n − 1]

Where: P = Loan principal, r = Monthly interest rate (annual rate ÷ 12), n = Total number of monthly payments (term in years × 12).

Interest-only repayment

Monthly IO Payment = (Loan Balance − Offset Balance) × (Annual Rate ÷ 12)

After the interest-only period, repayments revert to Principal & Interest calculated on the remaining balance over the remaining term.

Offset account

Each month, interest is calculated on (Remaining Balance − Offset Balance). The repayment amount remains the same as without an offset. More of each repayment goes toward principal, so the loan is paid off faster. Assumption: the offset balance remains constant; in practice it fluctuates.

Loan split

Each split is calculated independently using its own interest rate and repayment type. Combined repayment is the sum of both. When the fixed period on Split 2 ends, it reverts to the specified revert rate and is recalculated as P&I for the remaining term.

Repayment frequency

Fortnightly = Monthly repayment ÷ 2 (26 payments per year). Weekly = Monthly repayment ÷ 4 (52 payments per year). Paying fortnightly effectively makes ~13 monthly payments per year, which can reduce the loan term.

Refinance calculator

Compares total interest payable under current vs. new loan terms. Break-even = Total refinance costs ÷ monthly savings. Net savings = Total interest saved − refinance costs − break costs.

Assumptions & limitations

Constant interest rate for the full term (unless split loan with revert rate).
Does not factor in: establishment fees, ongoing fees, LMI, valuation fees, legal costs, stamp duty, or government charges.
Offset calculations assume a constant offset balance. Fortnightly/weekly use simple division of the monthly amount.
Tax implications and comparison rates are not provided. Redraw, additional repayments, and rate changes are not modelled.

Frontline Financial Pty Ltd is an authorised credit representative (CRN: 575968) of Australian Credit Licence No. 389087, authorised to engage in credit activities.

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