BUDGET PLANNER

Creating a Budget Plan: Step-by-Step Guide with our Budget Calculator

Our budget planner calculator is a powerful tool that can help you take control of your finances.

Whether you’re looking to create a budget for the first time for a future home loan or you’re looking to improve your existing budget, our calculator can help you stay on track.

Virtus Budget Planner

With easy-to-use features, step-by-step instructions, our budget planner calculator is the perfect tool for anyone looking to create a budget that works for them.

With so many loan options available, it’s crucial to take the time to find the one that’s right for you.

Loan Repayment FAQ's

What are loan repayments?

Loan repayments refer to the regular payments you make to your lender to pay off the amount you borrowed, along with the interest charged on the loan.

How are loan repayments calculated?

Loan repayments are calculated based on the loan amount, interest rate, and loan term.

A higher loan amount, higher interest rate, or longer loan term will result in higher loan repayments.

What factors affect loan repayments?

The loan amount, interest rate, and loan term are the primary factors that affect loan repayments.

A higher loan amount, higher interest rate, or longer loan term will result in higher loan repayments.

Book your complimentary consultation today and find out how we can help you find the right loan for you.

Can I change my loan repayment schedule?

It depends on the loan terms and your lender’s policies.

Some lenders may allow you to change your loan repayment schedule, while others may not.

It is best to consult with your lender or a broker to find out what options are available to you.

Can I make loan repayments early?

Yes, many lenders allow you to make early loan repayments without penalty.

This can help you pay off your loan faster and save you money on interest in the long run.

It is best to consult with your lender or with a mortgage broker to find out if there are any penalties for making early loan repayments.

What happens if I miss a loan repayment?

Missing a loan repayment can have serious consequences, including late fees, penalties, and damage to your credit score.

It is important to contact your lender as soon as possible if you are unable to make a loan repayment to discuss your options.

What does a loan repayment calculator do?

Our loan repayment calculator can help you calculate your estimated monthly payments and the total cost of a loan, helping you plan your budget and compare different loan options.

It can also show you the impact of making extra payments on the overall cost of the loan and how much you can save on interest.

Can a loan repayment calculator help me compare different loan options?

Yes, by inputting the information for each loan, a loan repayment calculator can show you the estimated monthly payments and total cost of each loan, helping you choose the best loan option for your needs.

Are the results from a loan repayment calculator accurate?

A loan repayment calculator provides approximate results, for accurate figures it is always best to consult with your lender or broker.

Keep Learning

Save Thousands with a Home Loan Refinance

Take a look at how refinancing your home loan could save you money you didn’t even know you could!

Renovations cost when buying a property in Australia

When buying a property in Australia, it is important to consider the cost of any necessary renovations to cover any unexpected expenses.

Upfront costs of buying a home

Upfront costs of buying a home Uncovering Hidden Expenses: A Guide to Understanding the Costs of Buying a Home The process of buying a home

Steps to buying your first property

Are you ready to take the leap into homeownership? While the process of buying your first property can be overwhelming, it doesn’t have to be.

Emma Neylon

01:15 22 Nov 23

Great communication & easy to deal with! 5 stars!

shari hope

06:35 14 Nov 23

We could not recommend Travis and the team at Virtus higher.Travis helped us secure bridging finance and went above and beyond to achieve a positive result, under very tight time constraints. His knowledge, experience and communication were of the highest standard and we would not hesitate in recommending Travis and the team at Virtus to anyone looking for mortgage broker services. Thank you, Travis, for the high level of professionalism and service shown to us while helping us secure our dream home. Warmest regards, Alastair and Shari.

Stephen Mckenzie

04:33 29 Oct 23

Travis has been extremely helpful. The communication and support has made the process seamless.

Jack Thornton

05:10 24 Oct 23

10/10 service, Travis really knows what he is doing, many thanks to the team there can’t rate them highly enough.

Lynda Muir

23:17 16 Oct 23

Sacha was recommended to me, and I am so grateful.Sacha helped me purchase my property when the banks said no. She worked to find a bank that would make it all happen, provided ongoing communication keeping me up to date on the process, very professional, honest, friendly, and easy to talk. No request was ever too much.I wouldn't hesitate to use Sacha again in the future or recommend it to family and friends.Thank you, Sacha 😊

Byron Ward

00:59 10 Oct 23

Travis and his team are amazing! We have now used Virtus Mortgage Broking Services three times over the years with our mortgages and each time the team are beyond helpful. Everything is always explained in detail and no request is ever too hard. They are quick and efficient and keep you informed and up to date throughout the process. Could not recommend this team enough!

Cristina Zanetti

00:18 09 Oct 23

My partner and I have gone through the process of buying our first property, and I couldn't recommend Virtus enough. They guided us through each step as two young first-property buyers and were always available to answer any questions we had. Our finance was assessed and approved quickly thanks to Travis and Sarah bring very prompt, organised and easy to communicate with, and they were always on top of letting us or other relevant parties know exactly what information was needed throughout the application process. Thank you guys so much, you have made this big new chapter of our lives much easier and positive than we could have imagined!

Jordan Marshall

08:58 06 Oct 23

Amazing service, made my life a lot easier.

SusieB & Son

00:39 05 Oct 23

The team has done it again. Cant thank Travis, Sarah, and the team enough. Commuication, throughout the whole process is spot on. Borrowing is made easy with Virtus. The company is getting popular for a reason. I have referred friends and they have come out gleaming with happiness also. Will always be using virtus for my future investments.Thank you team your service is impeccable.I highly recommend them to anyone, you wont be disappointed.

James Brown

10:00 29 Sep 23

Jackie Wrigglesworth

01:23 25 Sep 23

Informative, knowledgeable prompt service

Mark Tattam

23:18 08 Sep 23

My first time dealing with Travis from Virtus.He was easy do deal with and made the entire processing of finding the best mortgage for our situation as smooth as possible.Would recommend to friends and family.

Natalie Grace

03:58 30 Aug 23

So grateful we found Travis! The mortgage game is tricky to navigate and Travis has been incredible with all his knowledge and diligence. He did all the hard work and found us the best mortgage options alleviating all the stress of that from us. His communication is great and he is so approachable…no question or change to plans was ever an issue. We’ll be sticking with Travis for all of our further mortgage needs without a doubt!

George Corbett

15:00 23 Aug 23

Dealing with Travis and the team at Virtus is second to none,Dealt with the team on two occasions now the professionalism the “I got you attitude” giving you the confidence that you think you don’t have is a Breathe of fresh air giving you great options and finding the best Banks to fit your needs and budget.Travis and the team at Virtus plays a massive part in my financial decision and my financial network to make things happen.

Ethan Gray

12:08 23 Aug 23

Travis was an awesome help and answered any questions we had with great and easy to follow explanations. He has gone above and beyond to help us purchase our first home. Would highly recommend working with Travis/ Virtus Mortgage Broking Service

Roxy Sproule

03:17 23 Jun 23

Travis and his team went above and beyond to assist our family in securing a mortgage for our family home. Thanks to Travis's expertise and dedication, we obtained a mortgage that exceeded our expectations. He thoroughly understood the challenges faced with self-employment and connected us with a lender who understood this.Travis demonstrated a deep understanding of my husband's self-employment circumstances, providing tailored guidance and flawlessly presenting our financial documents to potential lenders. Throughout the process, Travis and his team maintained excellent communication, promptly addressing our concerns. We highly recommend Travis and his team to anyone seeking a mortgage. Their exceptional service and commitment to finding the best solutions make them the go-to mortgage brokers in the industry. We are grateful to Travis for his invaluable support, making our mortgage journey a success!

Cooper Lower

04:04 13 Jun 23

We recently got on to Travis/Virtus Mortgage Broking services through a great recommendation from a friend and can say that we were overwhelmed with the support from the Virtus team. Travis and his team went above and beyond to ensure we got the best loan options available and we were really impressed with their communication, flexibility and efficiency. We look forward to exploring all future purchasing options through Travis and the team as we are eager to keep expanding in the property space personally and commercially. Thanks again!

Kellie Gollings

03:26 17 May 23

I couldn’t recommend Sacha Harrison & team at Virtus Mortgage Brokering Services highly enough! Sacha has been an absolute power house throughout my loan journey. Super efficient, always quick to call or email with any updates and goes above and beyond with getting what you need across the line! Sacha huge thanks to you - you’ve made this process and easy one to navigate & you’ve made my dream come true! Couldn’t thank you enough! I’ve already passed your number onto several friends and will continue to do so! You won’t be disappointed contacting Sacha & team for brokering services! I’d give you a 10 star rating if I could!Thank you so so much - Kellie Gollings

Lara Fabiani

09:03 27 Nov 22

Virtus Mortgage Broking Services have provided excellent advice & professional service with refinancing our home loans & facilitating a further loan for an investment property. Travis is very thorough & always responsive to the many questions we had throughout the process. Travis went above & beyond to negotiate the best deal with the banks on our behalf as well as ensuring finance approval for our property purchase proceeded in a timely manner. We highly recommend Virtus Mortgage Broking Services & look forward to being long term customers. Marc & Lara Fabiani

chris dowley

00:02 06 Sep 22

Travis and Sarah’s professionalism has been a new and amazing experience for me. The stress of being self employed and applying for a home loan was initially overwhelming until these two guided me through every step of a completely streamline process. I cannot thank VMBS enough for all their patience and hard work????5 stars and highly recommend:)

Billie Davis

01:28 27 Jul 22

Travis and his team have been nothing short of amazing handling our matters; they worked their magic and helped us achieve the best outcome. Each step of the process was made easy and having their support helped us immensely. Thank you again for all that you have done and we look forward to continue working together.

Lisa Mussing

00:30 10 Jun 22

Travis and the team at Virtus Mortgage Broking Services have been second to none. From the first initial phone meeting we knew we had been linked to a broker that we could trust and also understood the vision we have. They made the process so seamless. I highly recommend them to anyone that needs a mortgage broking service.

Kerri Smith

06:37 07 May 22

From my first conversations with Travis, and Sarah, the Virtus Team were there from start to finish in regards to aiding me to purchase my home - making the process easier than anticipated. Thank you to you and your team for navigating the mortgage process for me. I also want to thank you for the little personal touches along the way, from Travis's call to let me know my finance was approved. The answering of my many questions via email or phone, and up to Sarah's final call to congratulation me on settlement. Thank you very much.

BUDGET PLANNER

Virtus Budget Planner

Loan Repayment FAQ's

Keep Learning

Save Thousands with a Home Loan Refinance

Renovations cost when buying a property in Australia

Upfront costs of buying a home

Steps to buying your first property

Leave a Reply Cancel reply

Find out how Virtus team can help!

BUDGET PLANNER

Virtus Budget Planner

Loan Repayment FAQ's

Keep Learning

Save Thousands with a Home Loan Refinance

Renovations cost when buying a property in Australia

Upfront costs of buying a home

Steps to buying your first property

Leave a Reply Cancel reply

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