30-year term, standard principal & interest, monthly repayments, one fixed rate for the life of the loan, no offset account and no fees. The minimum repayment does not fall after the lump sum — the loan gets shorter instead, which is how most Australian lenders treat it. Some fixed-rate loans cap or charge for lump-sum repayments. Doesn’t include fees, stamp duty or LMI. Indicative only. Not financial advice.