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Mortgage Choice
Prepared for

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by Troy Gunasekera · Mortgage Choice Karrinyup · updated with live market data

What's your home working towards?

As your property grows and your loan shrinks, usable equity builds — it can fund a renovation, an investment property, or simply sit as a buffer.
Usable equity available
$0
At 80% lending — no mortgage insurance needed
$0
$0
Stretching to 90% lending (insurance applies)$0
Total equity in your home$0
Your loan-to-value ratio0%
Could support an investment purchase around$0
Good to know: accessing equity still needs the repayments to be affordable — that's a 10-minute conversation with Troy, not a form.

What's your offset really doing?

Every dollar in your offset earns your home-loan rate, tax-free — more than any savings account pays. Drag the sliders and watch.
Interest you'll save
$0
vs the same loan with no offset
$0
$0
Debt-free sooner by
—
Saved in the first year
$0
Debt-free with your offset—
Without it—
A savings account would need to pay0%
Why the big number? Offset savings compound — interest you don't pay stays in your pocket and keeps working, month after month, for the life of the loan.

Is your rate still sharp?

Checked against live market rates, updated through the day — not last quarter's newsletter.
Potential monthly saving
$0 /mo
—
Your current rate—
Market rates from—
Saving over a year$0
Saving over five years$0
Rates move constantly. Whether a sharper rate is actually available for your situation depends on your lender, loan size and property — Troy checks the real thing in minutes.
📞 Ask Troy to check ✉ Email instead

Small extra, huge difference

A little extra each month compounds into years off your loan. Drag to see your own numbers.
Debt-free sooner by
—
—
$0
Interest saved
$0
New payoff year
—
On track today—
With the extra—
Tip: paying weekly or fortnightly instead of monthly quietly adds the equivalent of one extra monthly repayment a year — ask Troy to set it up.

Your rent is already a repayment

Every week your rent services a loan — just not yours. Here's the loan the same money would carry.
Your rent supports a loan of
$0
Same monthly outlay as your rent, over 30 years
$0
That's per month$0
Rent paid over 30 years$0
To buy at20% dep.10% dep.5% dep.
Property price———
Deposit———
Stamp duty*———
Cash needed———
*Net of first-home-buyer concessions
First Home Guarantee: eligible first-home buyers can buy with just a 5% deposit and pay no lenders mortgage insurance — places are uncapped. Worth a conversation.

Your countdown to buying

Watch the date get closer every month. Anything that surprises you here — good or bad — is worth a chat.
On track for your deposit in
—
—
$0
$0
$0
Deposit goal$0
Upfront costs (duty* + fees)$0
Total cash needed$0
Still to save$0
Conservative on purpose: no interest on your savings is assumed — a good savings account only brings the date forward. And schemes like the First Home Guarantee can shortcut the whole timeline.

The real cost to get the keys

The price tag isn't the whole story — here's everything, line by line.
Total cash to buy
$0
—
$0
Deposit$0
Stamp duty $0
Government + legal fees (est.)$0
Mortgage insurance (usually added to the loan)—
Loan you'd need$0
First-home buyer? Concessions are already applied where your price qualifies — and the First Home Guarantee can remove mortgage insurance entirely at a 5% deposit.

What would it cost per week?

Using live market rates — updated through the day, not last month's brochure.
Estimated repayment
$0 /wk
At market rates from —
$0
Per fortnight$0
Per month$0
Market rates from—
Over 30 years, principal & interest. Your actual rate depends on deposit, lender and situation — Troy matches you to the sharpest one you qualify for.
📞 Talk it through ✉ Email Troy

Numbers moved? Let's talk.

If anything on this page surprised you — good or bad — that's usually the sign it's time for a quick review.
📞 0417 132 732 ✉ Email Troy
All figures are indicative estimates based on the details provided and the assumptions shown — general information only, not financial, tax or credit advice, and not a credit assessment or loan offer. Market rates shown may not be available for your circumstances. Your details stay between you and Troy — never shared or sold.

Troy Gunasekera · Mortgage Choice Karrinyup · Mortgage Choice Pty Ltd ABN 57 009 161 979 ACL 382869 and Smartline Operations Pty Ltd ABN 86 086 467 727 ACL 385325 are owned by REA Group Ltd.