Hallmark Buyers Agency

See Faster Ways to Close Your Mortgage

Model your loan and compare practical strategies like extra repayments, offset balance, lump sums and repayment frequency — so you can see what may reduce your loan term sooner.

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Enter Your Mortgage Details

Enter your current loan details to explore quicker mortgage payoff scenarios.

Loan Details

Loan Amount

$ AUD

$100k$2M

Current Interest Rate

% p.a.

1%12%

Minimum Repayment — Bank Required i

$ / month

Enter your bank's required repayment — your remaining term will appear automatically below.

Term Remaining i

years

Enter your bank repayment above to auto-calculate.

What If Rates Change?

Expected Long-Term Rate i

% p.a.

Rate Change Buffer i

This helps you see how your repayment plan may behave if rates fall or rise over time.

Simple Payment Tweaks

Fortnightly repayments can create the equivalent of one extra monthly repayment per year — a simple way many borrowers reduce interest over time.

Extra Repayment Strategy

Test how even small extra repayments may change your payoff date and total interest.

Extra Per Period (applied to all scenarios) i

$ / month

$0$5,000

Offset / Redraw Impact i

See how keeping money available in an offset-style structure may reduce interest without locking your cash away.

Average Offset Balance

$ AUD

$0$500k

Investment Sale / One-Off Lump Sum i

Model what happens when you sell an investment property and direct the net proceeds to your home loan — this is how many Hallmark clients dramatically reduce their balance in a single payment.

Net Proceeds / Amount

Projected Payment Date

Drip Feed — Annual Lump Sums i

Add a recurring annual occasion repayment

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Four Scenarios Await

Enter your loan details and click
Calculate All Scenarios to see
a full comparison across all rate scenarios.

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