Amortisation table
See how each year’s repayments split between interest and principal, and the balance left at the end of every year.
Monthly repayment—
A fully amortising instalment at one rate for the whole tenure.
Total interest—
Interest in year 1—
Balance halves in—
Total repaid—
| Year | Interest | Principal | Balance at year end |
|---|
How this estimate works
Each month, interest is the balance × annual rate ÷ 12 and the rest of the instalment repays principal. Rows show each year’s totals and the balance after its last payment. Real packages change rate after the lock-in period.
Official references: MoneySense LTV and minimum cash. Rules checked 3 November 2026.
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