Standard principal & interest, monthly repayments, one fixed rate for the life of the loan, no offset account and no fees. The extra is assumed to start immediately and continue every month. Times are counted in whole months: the final repayment is usually smaller than the others, and it counts as a full month. Real lenders differ on how extra repayments are applied and some fixed loans cap them. Doesn’t include fees, stamp duty or LMI. Indicative only. Not financial advice.