Lump Sum Calculator

Investors often have the options to either pay extra payments on their loan to pay off their loan faster or pay a lump sum amount to the loan. A lump sum is a single payment of money as opposed to a series of payments made over time.

 

Investors usually find themselves with extra assets and monies that could be used to pay the mortgage early. Smart Property Investment's lump sum repayment calculator determines exactly how much interest you could save over the years by adding a lump sum to your mortgage, the loan balance after five years, and the time and interest saved on your loan from adding this lump sum onto your loan.

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Definitions:

Loan amount

The total value of the loan applied for in a loan agreement.

Interest rate

The amount of interest due per period, as a proportion of the amount loaned, deposited or borrowed.

Loan term

The number of years needed to repay the loan, as indicated in the loan agreement.

Repayment scheme/frequency

The schedule in which repayment is made, whether the loan is paid every monthly, fortnightly, or on a weekly basis.

 

Lump sum amount

Amount to be paid as a large payment to your mortgage or loan agreement to satisfy and complete your agreement as early as possible.

Lump sum payment made after

Period of time that has passed from the start of the loan agreement until the current month when repayment was made in which the lump sum was applied to the loan agreement.

 

Monthly repayments

An amount that estimates the value of monthly repayments to be made to use by investors to satisfy the loan.

Time saved

Period of months or years in which the amount of lump sum applied to the loan agreement that is subtracted from the stipulated period of time in the loan agreement.

Interest saved

Amount of interest payments in which the amount of lump sum applied to the loan agreement that is subtracted from the stipulated total repayments to be made in the loan agreement.

DISCLAIMER:

The information provided by this calculator is intended to provide an approximate estimate based on stated assumptions and inputs entered. For more information, read more on Copyright, Legal and Disclaimers.

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FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Sydney
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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Sans Souci
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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together

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