Use an online home loan calculator to input your loan amount, interest rate, and term to estimate monthly repayments.

With an interest-only loan, you pay just the interest for a set period (usually 5 years), after which you start paying off the principal.

Missing a payment could incur fees and affect your credit score. If you’re struggling, it’s best to talk to your lender early for options.

An offset account is a savings account linked to your mortgage. The balance offsets your loan, reducing the interest charged.

Some lenders allow a temporary pause on repayments, known as a repayment holiday, but interest will still accrue during this time.