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Privet

Privet is an education and information resource. We are not a lender, broker or adviser. If you'd like to explore funding, we can pass your enquiry to finance providers who may be able to assist. How Privet works

Tools

Loan cost estimator

Enter the terms from an offer you have received to see interest, fees and the funds you would actually receive. Save offers to compare them side by side.

For context only, the RBA cash rate target is 4.60%[1]. It is not a lender rate. Enter the figures from your own offer.

$
months
% p.a.
% of loan
% p.a.
$
How interest is paid

Estimate only. Not a quote, offer or advice.

Enter the amount, term and rate from your offer.

Government data | RBA | as at 11 October 2026
Assumptions
  • Interest is simple interest for the full term; no early repayment or extension.
  • Default interest, extension fees and break costs are not included. Ask for them in writing.
  • Privet never supplies lender rates or fees. Every figure here is one you entered.
How this is calculated
  1. Interest = amount × rate ÷ 12 × months.
  2. Fees = establishment fee + line fee for the term + other fees.
  3. Estimated total cost = interest + fees.
  4. Funds you receive = amount − establishment fee − other fees − interest retained (capitalised or prepaid).
Speak to a finance provider

Free. No obligation. Not an application for credit.

General information only. Privet is not a lender, credit provider or mortgage broker and does not provide financial, credit, legal or tax advice.

Sources

  1. [1]Reserve Bank of Australia, Cash Rate Target. https://www.rba.gov.au/statistics/cash-rate/Retrieved 11 October 2026 · Effective 30 September 2026

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Privet may receive a referral fee or commission from finance providers if an enquiry proceeds. This does not change the information shown on this site, and you are never obliged to proceed. How Privet is funded