Useful numbers.
Better questions.

Constant annual rate divided by the selected 12, 26 or 52 payment periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. Changing payment frequency recalculates a fully amortising payment; it does not model accelerated half-monthly payments.

Constant annual rate divided by 12 monthly periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. Changing payment frequency recalculates a fully amortising payment; it does not model accelerated half-monthly payments.

Constant annual rate divided by 12 monthly periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. Total cost compares all remaining payments in each scenario, plus the entered upfront fee. Different terms are not like-for-like. A lower repayment can still mean a higher total cost.

Constant annual rate divided by 12 monthly periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. The normal repayment is editable. Both schedules use that repayment; the remaining term is a comparison reference, not a guarantee of payoff. Non-amortising repayments are rejected.

Constant annual rate divided by the selected 12, 26 or 52 payment periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. Changing payment frequency recalculates a fully amortising payment; it does not model accelerated half-monthly payments.

Constant annual rate divided by the selected 12, 26 or 52 payment periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. Changing payment frequency recalculates a fully amortising payment; it does not model accelerated half-monthly payments.