Lump Sum Repayment Calculator

Lump sum repayments

When it comes to managing home loans, the Lump Sum Repayment Calculator is like a crystal ball for your mortgage it reveals how one magical one-time payment can shrink your loan faster than your kids outgrowing their school uniforms. Whether you’re tossing in a little or a lot, this tool shows how an extra payment can chop years off your loan and save you a small fortune in interest. For mortgage brokers and lending specialists, it’s the secret weapon that turns complicated loan talk into “aha” moments for clients and keeps them coming back for more sage advice.

How to Use Our Extra & Lump Sum Payment Calculator

Step 1: Gather Loan Details

Collect your loan amount, interest rate, remaining term, and regular repayment details (monthly, fortnightly, or weekly).

Step 2: Enter Your Lump Sum

Input your one-time extra payment amount (e.g., savings, tax refund, bonus)

Step 3: Review Results

See your:

Interest Savings: Total saved over the loan’s life.




Reduced Loan Term: How much faster you’ll pay off your loan./li>




Updated Repayment Schedule: Adjustments based on your lump sum

Step 4: Experiment with Scenarios

Test different amounts or timings to see how early vs. late payments impact your savings.

How Much Can I Save with a Lump Sum Payment?

Even modest lump sums can yield big savings:

Example 1: A $10,000 payment on a $500,000 loan at 5% interest could save $28,000 and cut nearly two years off your term.




Example 2: Making $5,000 payments every two years can save tens of thousands and shorten the loan term by years.

Tip: Early lump sums save the most, as they reduce the principal and interest accrual faster.Use our calculator to create a strategy that fits your financial goals!

Partnering with Blueprint Financial Services for Smarter Mortgage Management

At Blueprint Financial Services, we’re committed to helping you take control of your mortgage. Our Lump Sum Repayment Calculator is just one of the tools we offer to make financial planning easier and more effective. Alongside our calculators, our expert brokers and lending specialists provide:

Tailored Advice: We help you understand your options and craft a repayment strategy that works for your unique situation.




Refinancing Solutions: Looking to save even more? We’ll help you explore refinancing options tailored to align perfectly with your financial goals.




Ongoing Support: From your first home loan to investment property portfolios, we’re here to support you every step of the way.