This calculator helps you find out whether you’re actually saving money with your introductory home loan in total interest. It enables you to calculate your repayments at a standard interest rate and at an initial ‘introductory’ or discounted interest rate.
Conclusion: It does not take into account any possible fees i.e. up-front fees or ongoing fees. Interest rate does not change over the loan term. No rounding is done throughout calculation whereas repayments are rounded to at least the nearer cent in practice.