This calculator may include estimated loan repayments on a monthly, fortnightly or weekly basis and is to be used as a guide only. The results do not represent either a quote or pre-qualification for any loan product and do not take into account any loan fees.
Our loan contracts require that you make a minimum monthly repayment amount due by a specified date each month. If you choose to make more frequent payments (e.g. weekly or fortnightly), you must ensure that these total at least the minimum monthly repayment amount by the due date.
Remember, additional or more regular repayments to your loan can reduce the amount of interest you could pay over the life of your loan, and have you paying off your loan sooner.
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With a variable rate home loan, your interest rate fluctuates as the market does. The Reserve Bank of Australia’s monthly Official Cash Rate announcements, along with local and global economic decisions all influence the banks’ decision to shift or hold rates.
With a fixed rate home loan, you can lock in your interest rate for a specified term, usually 1, 2 or 3 years. This can give you certainty when it comes to repayments, as you know they won’t change, even if the interest rate does.
The Rock's Line of Credit facility is an effective way to access the equity in your home whenever you need to. It also provides great flexibility by offering access via ATMs, EFTPOS, Internet Banking, Phone Banking and cheques together with direct entry facilities.