What is your borrowing capacity? Try our Borrowing Power Calculator and find out how much the banks will lend you for your home loan When is stamp duty exempted in the ACT?Īpplying for a low doc mortgage? Use our low doc BAS calculator to find out how the banks assess your income from your recent BAS. If you wish to speak to an expert mortgage broker, please call us on 1300 889 743 or enquire online and we can let you know which lenders can approve you.įree mortgage calculators to help give you a better insight into how the banks will view your home loan application.ĪCT Stamp Duty Calculator 2023: Conveyancer DutyĬalculate the stamp duty on property purchases in the Australian Capital Territory (ACT) using our calculator. You can access a range of mortgage calculators on our website which will help you to work out your borrowing capacity and the cost of your mortgage. This page will tell you how much you can save by making extra repayments into your offset account. To find out more about how an offset account works or to calculate your average offset balance please see our offset account calculator page. Of course if you access the funds you have paid into your offset account then you will lose the benefit from making your additional repayments. This will enable you to access the funds in the future with greater ease. If you are disciplined with your money then it is better to make those extra payments to your offset account. Yes, making additional repayments to a 100% offset account will have the same effect as if you had made the extra repayments to your loan account. We’re here from 8.30am – 7.00pm Monday to Friday (except bank holidays).LEARN MORE Can I make extra repayments to my offset account? Alternatively, you can make a debit card payment by calling us on 03. Send a cheque, payable to TSB Bank Plc, to: Mortgages, TSB Bank Plc, PO Box 373, Leeds LS14 9GQ. By faster payment or standing order using our bank details (please use the relevant reference as explained above). Here’s how you can make a payment to your mortgage: If you wish to allocate the payment to a specific sub-account, you’ll need to use your 14-digit mortgage reference followed by the sub-account, for example to make a payment to sub-account 1 you should quote your 14 digit mortgage account number followed by 01 at the end without any symbols or spaces.
If you quote your 14-digit mortgage reference we will spread the payment across all your mortgage sub-account(s). You can find this in any of your mortgage correspondence from us. You’ll need your mortgage account number to quote as the reference for the payment.
If you make a lump-sum overpayment, it can't normally be refunded at a later date. If you do this, you will need to speak to one of our Mortgage Advisors who will check that you can afford the monthly payments over the new term and advise you if this is right for you. If your mortgage is set up on a repayment basis, you can apply to change the remaining term.Ask us to re-calculate your monthly payment immediately, so that you get to reduce your monthly payments but still repay your loan by the end of the current mortgage term.However, when we next re-calculate your monthly payment, for example at an interest rate change, we will set the new monthly payment to a level that will repay your mortgage over the current mortgage term. Keep paying your current monthly payment so that you repay your mortgage sooner. Then, because your balance is lower, you can either:
When you make a payment, your mortgage balance will be reduced on the day we receive the money, and you'll start to be charged less interest. You can pay part of your mortgage whenever you want.
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