This tool provides estimates for illustrative purposes only and should not be considered financial advice. Actual loan terms, interest rates, and fees may vary. The calculations provided here are based on simple interest and do not account for compounding or other complex factors that may affect your actual loan. This loan repayment / calculator simulation is not an offer and has no legal effect on any contracts entered into by you 'the client', this simulation and the resulting calculations 'DO NOT CONSTITUTE A LOAN APPLICATION or OFFER'. It is a rough guide only for the purpose of ease in simulation. All interest rates displayed 'are guides ONLY', repayments as a result of this simulation have no legal offering, other benefits are based on a personalised applications, credit worthiness and other assumptions do apply. Note: Monthly fees and charges may apply depending on chosen Lender. Any upfront fees may be included in the amount borrowed