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Byrz tools

The repayment is one number. The interest bill is the other.

See the monthly repayment for any loan, then what an offset account and extra repayments actually do: they do not change what you must pay each month, they change how many years you pay it for.

The loan, and what your two levers do to it

The amount borrowed, not the price.

Type your rate or a rate you are comparing.

30 is the common starting term.

Savings sitting against the loan. Leave empty for none.

Paid on top of the required repayment. Leave empty for none.

The offset balance is treated as staying constant, and interest is worked monthly on the offset-reduced balance. Estimates only, not an offer of credit and not a quote: your lender's exact figures will differ slightly.

See what you could borrow to find your loan size, check where your savings land, or head back to all the tools.

Byrz is a property research and buyer tool. It is not a lender or credit provider. Figures here are estimates and general information only, not an offer of credit and not financial advice. Check official scheme eligibility before you rely on it.