Extra Repayment Calculator

Not sure how much you can save by making extra loan repayments? Let our Extra Repayment Calculator help you. Simply enter the loan details, plus additional contribution details and the SpeC Finance calculator will estimate how much time and interest you can save by paying off more than your minimum loan repayments. Our Budget Planner will also help you work out how much additional repayments you can make towards your loan.

‘The calculator has been provided in good faith as a guidance tool only. Results are not financial advice, are a guide only, and are not a guaranteed outcome or quote.
Borrowers should always discuss their individual situation with an Australian Credit Licensee or authorised Credit Representative.’

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News & Learning

What does L.V.R mean in the Mortgage industry?

The mortgage industry is a wide, wondrous world with a language all of its own. One of the many acronyms bandied about is ‘LVR’, which stands for ‘loan-to-valuation ratio’. Here’s what it means.

Stamp duty explained

Stamp duty is a charge which is applied by state governments in Australia on transactions relating to the transfer of land or property. It is paid upfront and needs to be budgeted for in addition to your loan deposit.

The home loan approval process

Following the lodgment of a home loan application, hopeful borrowers are often keen to know what will happen next and how long it will take for them to receive the verdict

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Customer Reviews

Here is what our past clients have to say about us

Sharada Mohare

“ Highly professional team. I believe Justin is the most efficient mortgage broker not just Sydney but NSW. Thank you very much ”

Tanty Gaudry

“ 100% Happy with the service I was provided by Justin. He was professional at the consultation and we settled on the best deal he found for me ”

Jay Jay

“ Excellent service. Very prompt and they are very attentive to every single detail. I would recommend Spec Finance to everyone, and would definitely go back. Thank you ”

Arc

“ They have helped me with getting my first house during COVID-19! And with good response time, followed up with detailed and helpful information, l was able to get the house l wanted. ”

T F

“ Couldn't recommend spec finance enough. From the very beginning we were provided with excellent service, Justin kept us informed throughout the entire process and he got us a great interest rate. We will definitely be using them again in future. ”

Ana-Terezija Toth

“ Highly recommend!!!!!! If you want people that actually care about you, keep you fully informed (will answer your calls, emails and questions) so you’re less anxious and are extremely professional and polite. I’d go with SpeC Finance. Going through a home loan process is extremely stressful, however with the help of Justin from Spec Finance I was able to have an extremely easy first experience.....Thank you! 🏡 🎉 🎈 ”

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