Buying your first home in Australia’s shifting property market means navigating more than just standard property listings; you need to understand the exact mechanics behind how home loan repayments are calculated.
With the RBA cash rate rising in 2026, minor discrepancies between a lender’s advertised rate and its true comparison rate can heavily alter your long-term household budget.
This comprehensive guide from a mortgage broker in Brisbane breaks down the core amortization math. We’ll unpack hidden variable shifts like capitalized LMI, along with strategic features like offset accounts, to ensure you confidently map out your true monthly obligations.
What Are Home Loan Repayments?
Loan repayments are the regular amounts you pay to your lender over time. They gradually clear your mortgage.
These payments cover two main things: the amount you borrowed (the principal) and the interest. Depending on your lender, you can choose weekly, fortnightly, or monthly repayments to suit your cash flow.
A few key components determine your regular repayment amount.
Principal
The principal is the amount you borrow to buy your property. For example, say you buy a home for $600,000 and have a $100,000 deposit. Your loan principal is $500,000.
Every regular repayment chips away at this balance. However, during the early stages, a larger portion goes toward interest rather than the principal itself.
Interest
Interest is the cost of borrowing money. Lenders express this charge as a percentage, known as your interest rate.
If your rate is 6% per annum on a $500,000 loan, the calculation happens daily. Your lender then adds that interest to your balance monthly. Because of this, small rate differences make a massive impact over time.
The Crucial Difference: Advertised Rate vs. Comparison Rate
Under Australian consumer credit laws, lenders must display a comparison rate alongside their advertised interest rate. This rule protects you from hidden traps.
The advertised rate only determines your base interest calculation. In contrast, the comparison rate tells the true story. It rolls the base rate and regular upfront or ongoing fees into one transparent percentage.
Watch out: A low advertised rate with high fees can cost you more out-of-pocket than a higher rate with zero fees. Always use the comparison rate to see the true monthly cost.
Variable vs. Fixed Rates
Australian mortgages generally feature two main interest structures:
- Variable Rate: Your interest rate moves up or down. These shifts depend on market changes or the Reserve Bank of Australia (RBA) cash rate.
- Fixed Rate: You lock in your interest rate for a set period, usually one to five years. This structure offers complete repayment certainty.
Additionally, some loans include account-keeping, redraw, or early repayment fees. You must factor these extra costs into your budget when calculating your true loan repayments.
How Are Home Loan Repayments Calculated?
While lenders use a standard formula to determine your repayments, several variables affect the final amount. Each factor influences your budget in different ways. Understanding these shifts helps you plan better and avoid surprises down the track.
Key Variables That Impact Repayments
- Loan Amount (Principal): This is the total amount you borrow. If you buy a $700,000 property with a $100,000 deposit, your principal is $600,000. Higher principal balances mean higher regular repayments.
- Interest Rate: This is the percentage charged by your lender for borrowing the money. In Australia, you can choose fixed, variable, or split loans. Even a 0.5% rate change significantly affects your monthly budget over a 30-year term.
- Loan Term: Most Australian home loans span 25 to 30 years. A longer term lowers your regular repayment but increases the total interest paid. Conversely, a shorter term increases your monthly layout but reduces overall interest costs.
- Repayment Type: You can choose between two main structures:
- Principal and Interest: You pay off both the loan balance and the interest from the start. This is the standard choice for owner-occupiers.
- Interest-Only: For a set period, usually up to 5 years, you only pay the interest. This reduces initial repayments but does not reduce your loan balance, making it more expensive long-term.
- Repayment Frequency: You can choose to pay weekly, fortnightly, or monthly. Switching to fortnightly payments helps you pay off your loan faster. This happens because you make the equivalent of 13 monthly repayments each year.
How Your LVR and LMI Distort the Repayment Math
Your Loan-to-Value Ratio (LVR) measures your loan amount against the property value. If your LVR is greater than 80%, you have less than a 20% deposit. This situation triggers Lenders Mortgage Insurance (LMI).
Most first home buyers do not pay this LMI fee upfront. Instead, lenders capitalize the LMI premium by adding it directly to your loan principal.
Consequently, capitalizing a $15,000 LMI premium artificially boosts your principal balance from day one. This hidden shift directly inflates your baseline minimum monthly repayments.
The Standard Formula Lenders Use
For Principal and Interest loans, lenders determine your monthly payments using a specific mathematical formula:
M = P * [r(1 + r)^n] / [(1 + r)^n – 1]
Where:
- M = Monthly repayment
- P = Principal (total loan amount)
- r = Monthly interest rate (annual rate divided by 12)
- n = Total number of repayments (loan term in months)
Example Calculation
Let us break this down with a simple, real-world scenario:
- Loan Amount (P): $800,000
- Interest Rate: 6% p.a. (monthly rate r = 0.005)
- Loan Term: 30 years (total months n = 360)
When you plug these values into the formula, the math looks like this:
M = 800,000 * [0.005(1 + 0.005)^360] / [(1 + 0.005)^360 – 1]
M = $4,796.40
Therefore, your monthly repayment would be approximately $4,796.
Fortunately, you do not need to be a math expert to figure this out. Many user-friendly online mortgage calculators do the hard work for you. Later in this guide, we will recommend the best tools trusted by Australian homebuyers.
Principal and Interest vs Interest-Only Repayments
When it comes to how home loan repayments are calculated, one of the biggest decisions you’ll face is choosing between Principal and Interest (P&I) repayments and Interest-Only repayments. Both have their pros and cons, and understanding the difference between them is crucial for managing your loan effectively and choosing the right option for your financial situation.
Principal and Interest (P&I)
Principal and Interest is the most common repayment type for owner-occupiers in Australia. With a P&I loan, each repayment is made up of two parts: one that reduces the amount you’ve borrowed (the principal) and one that covers the interest charged by your lender. Over time, as you reduce the principal, the amount of interest you pay each month decreases, and more of your payment goes toward the principal balance.
This loan structure helps you pay off your home loan in full over the loan term (typically 25-30 years) and gradually builds your equity in the property. Early in the loan term, the majority of your repayments go towards paying the interest, but as the loan balance reduces, the proportion that goes toward the principal increases.
Pros of Principal and Interest Loans:
- Loan Paid Off Over Time: With each repayment, you are reducing the amount you owe, meaning you will eventually own your property outright if you follow the agreed repayment schedule.
- Lower Total Interest: Because you’re paying down the principal over time, you pay less interest overall compared to interest-only loans.
- Building Equity: As your principal reduces, you are building equity in the property, which can be useful if you want to borrow more in the future or sell the property for a profit.
Cons of Principal and Interest Loans:
- Higher Initial Repayments: P&I loans tend to have higher monthly repayments compared to interest-only loans, as you are repaying both principal and interest right from the start. This might strain your budget, especially in the early years of the loan.
- Less Cash Flow Flexibility: Because more of your repayment is going toward the principal, it leaves you with less disposable income. If you’re on a tight budget, this could be challenging.
Interest-Only Repayments
With an Interest-Only loan, you only pay the interest on your loan for a set period—usually between 1 and 5 years. During this period, your monthly repayments are lower since you’re not reducing the principal amount. At the end of the interest-only period, you start making full P&I repayments, which will increase the size of your monthly repayments significantly.
Interest-only loans can be useful in certain situations, such as when you’re investing in property, going through a period of construction, or expecting an increase in income down the track. However, they do come with some key drawbacks.
Pros of Interest-Only Loans:
- Lower Monthly Repayments: Since you’re only paying interest, your monthly repayments are considerably lower compared to a P&I loan, which can help with cash flow, particularly if you’re an investor or building your home.
- Flexibility: The lower repayments can be useful for managing short-term financial pressures or for property investors who want to maximise their rental income rather than using cash to pay down the loan.
- Short-Term Relief: It can provide financial relief if you’re expecting an increase in income or want to use the extra cash for other investments or savings during the interest-only period.
Cons of Interest-Only Loans:
- No Reduction in Principal: While your repayments are lower, you’re not reducing the principal balance during the interest-only period. This means you’re not building any equity in your home, and the loan amount remains the same until you start paying off the principal.
- Higher Total Interest: Since the principal isn’t being reduced, you’ll end up paying more interest over the life of the loan, as interest is calculated on the total loan amount, which remains unchanged.
- Increased Repayments After Interest-Only Period: Once the interest-only period ends, your repayments will increase significantly. The lender will start calculating repayments on both principal and interest, and because you haven’t reduced your loan balance, the increase can be substantial.
Choosing between P&I and Interest-Only repayments ultimately comes down to your personal financial situation and goals. By understanding how home loan repayments are calculated under each structure, you can make a more informed choice that aligns with your financial needs.
Understanding Loan Amortisation
When you take out a home loan in Australia, your repayments are structured through a process called loan amortisation. This means you pay off your loan over time with regular payments that cover both the principal (the amount you borrowed) and the interest charged by your lender. Understanding how these home loan repayments are calculated can help you manage your finances and make informed decisions about your mortgage.
What Is Loan Amortisation?
Loan amortisation refers to the gradual repayment of your home loan through scheduled payments. As we mentioned before, each repayment is split into two parts:
- Principal: The original amount you borrowed.
- Interest: The cost charged by the lender for borrowing the money.
Over time, as you reduce the principal, the interest portion of your repayments decreases, and more of your payment goes toward reducing the principal balance.
The Amortisation Table
An amortisation table provides a detailed breakdown of each repayment, showing how much goes toward the principal and how much goes toward interest. Here’s a simplified example for the first few years of a $600,000 loan at 6% interest over 30 years:
Year | Repayment | Interest Paid | Principal Paid | Remaining Balance |
1 | $3,597 | $30,000 | $13,000 | $587,000 |
2 | $3,597 | $29,000 | $14,000 | $573,000 |
3 | $3,597 | $28,000 | $15,000 | $558,000 |
… | … | … | … | … |
30 | $3,597 | $1,000 | $2,000 | $0 |
In the early years, a larger portion of your repayment goes toward paying off the interest. As the loan balance decreases, the interest portion reduces, and more of your repayment goes toward the principal.
Impact of repayment frequency on how home loan repayments are calculated
The frequency of your repayments can affect the total interest paid over the life of your loan. Making more frequent payments can reduce your principal faster. However, a major industry myth tricks many Australian borrowers.
The Fortnightly Repayment Trap Most Aussies Fall For
Many buyers believe switching to fortnightly payments naturally creates an extra month of repayments each year. Unfortunately, standard bank math does not work that way.
Australian banks calculate standard fortnightly minimums using a specific formula. They multiply your monthly amount by 12, then divide it by 26. This method yields zero extra principal reduction over the year.
To get ahead, you must understand the distinction between standard and accelerated fortnightly repayments.
The famous “13-month shortcut” only works if you explicitly request an accelerated schedule. To do this, you strictly halve your standard monthly payment amount. For example, if your monthly payment is $4,000, you pay $2,000 every fortnight.
Because a year contains 26 fortnights, this strategy forces 26 half-payments. That equals 13 full monthly payments across 12 calendar months, saving you thousands in interest.
How Your Payments Shift Over Time
As your principal drops, the way the bank allocates your money changes dramatically. Let us look at a standard $600,000 loan at 6% interest over 30 years:
- Year 1: Approximately $30,000 goes toward interest, while only $13,000 clears the principal.
- Year 15: The split between interest and principal becomes nearly equal.
- Year 30: Most of your money wipes out the remaining principal, leaving minimal interest charges.
To see this breakdown for your own loan, you can use our online mortgage calculator. It generates complete amortisation schedules based on your specific numbers. Our calculator lets you adjust your repayment frequency so you can see the true impact of an accelerated schedule.
Key Factors That Affect How Your Home Loan Repayments Are Calculated.
When you take out a home loan in Australia, several factors can influence the amount you pay each month. Understanding these variables is crucial in managing your mortgage effectively. From interest rate changes to the loan type you choose, each factor can significantly impact your repayment structure and overall loan costs. In this section, we’ll break down the most important factors that affect your home loan repayments.
1. Interest Rate Fluctuations
The interest rate on your loan plays a central role in calculating your repayments. The rate determines how much interest you’ll pay on the principal balance, and even a small increase can have a substantial impact on your monthly payments.
For instance, let’s consider a $600,000 loan over 30 years:
- At a 6% interest rate, your monthly repayment would be approximately $3,598.
- At a 7% interest rate, your monthly repayment rises to about $3,992.
This difference of 1% increases your repayment by nearly $400 per month. If interest rates rise, it can affect your budget, particularly for variable-rate loans. On the other hand, locking in a fixed-rate loan may provide stability, but it can also prevent you from taking advantage of potential interest rate cuts.
2. Loan Term
The loan term refers to the length of time you’ll take to repay the loan. Most home loans in Australia are offered with terms of 25 to 30 years, but this can vary depending on the lender and your specific circumstances.
A longer loan term generally results in lower monthly repayments, as the repayment amount is spread out over a longer period. However, it’s important to consider the overall cost of the loan:
- Shorter Loan Term: Higher monthly repayments, but less interest paid over time.
- Longer Loan Term: Lower monthly repayments, but more interest paid overall.
For example, with the same loan amount of $600,000 at a 6% interest rate, a 25-year loan term will have higher monthly repayments compared to a 30-year term, but you’ll pay less interest in the long run.
3. Repayment Frequency
The frequency at which you make your repayments can also impact how much you pay over the life of the loan. While monthly repayments are the most common option, some lenders offer weekly or fortnightly repayment options.
Paying more frequently can slightly reduce the overall interest paid because you’re reducing your loan balance more often. Interest is typically calculated on the daily balance of your loan, so making repayments every week or fortnight results in a smaller outstanding balance between repayments, which can reduce the amount of interest charged. However, you should check with your lender to ensure there are no additional fees for increasing the frequency of your repayments.
4. Loan Type
The type of home loan you choose has a significant effect on your repayment structure and flexibility. There are several types of loans available to Australian borrowers:
- Fixed-Rate Loans: With a fixed-rate loan, your interest rate remains the same for a set period (usually 1 to 5 years). This offers repayment stability, but you may miss out on potential interest rate reductions.
- Variable-Rate Loans: These loans have interest rates that can fluctuate based on market conditions. While this offers flexibility, it also means your repayments can increase if interest rates rise.
- Split Loans: A split loan combines both fixed and variable rates. This allows you to take advantage of the stability of fixed rates for part of your loan while benefiting from potential savings if rates drop for the other part.
5. Fees and Charges
In addition to the principal and interest, several fees and charges can affect the overall cost of your home loan. These may include:
- Application Fees: One-time fees charged for setting up your loan.
- Monthly Account-Keeping Fees: Ongoing fees for managing your loan account.
- Redraw Fees: Fees for accessing extra repayments you’ve made (if applicable).
- Discharge Fees: Fees for closing your loan when you pay it off or refinance.
While these fees don’t directly affect your monthly repayments, they can add to the overall cost of your loan. It’s important to understand all the fees associated with your loan so you can factor them into your financial planning.
How Extra Repayments Save You Thousands
Making extra repayments on your home loan is a powerful way to reduce your mortgage costs over time. Even small additional payments have a massive impact. They slash the total interest you pay and shorten your loan term significantly.
When you make an extra repayment, that money goes directly toward reducing your loan balance. Consequently, your lender charges interest on a smaller principal amount. Because mortgage interest is front-loaded, making extra payments early delivers the biggest savings.
The Impact of Offset Accounts on Daily Repayment Calculations
Many buyers hold a common misconception about offset accounts. They assume linking an offset account to a Principal and Interest loan lowers their mandatory minimum monthly repayment. Unfortunately, it does not.
However, the real mechanics offer a massive financial advantage. Australian lenders calculate mortgage interest daily based on your net balance.
Net Balance = Loan Balance – Offset Balance
By lowering the daily interest accrued, a beautiful shift occurs. A much larger portion of your fixed monthly repayment goes toward wiping out your principal. Ultimately, this accelerates your path to becoming mortgage-free.
How the Savings Add Up
You can make extra repayments in several simple ways:
- Frequent Repayments: Switching your frequency reduces the principal balance more often.
- Lump-Sum Payments: Directing tax returns or bonuses into your loan instantly drops your balance.
Let us look at a real example to see the true impact of extra repayments.
Consider a $600,000 loan at a 6% interest rate over 30 years. Without extra payments, your monthly repayment sits at $3,598. Over the loan life, you pay a total of $1,291,000, which includes $691,000 in interest.
Look at what happens if you pay just $200 extra per month:
- You save over $85,000 in total interest payments.
- You pay off your loan about 5 years earlier.
This example proves how a modest regular addition dramatically reduces your long-term financial burden.
Tips for Making Extra Repayments
To maximise these benefits, use these practical, everyday strategies:
- Switch to Fortnightly Repayments: You will make 26 half-payments a year. This adds up to one full extra monthly payment annually.
- Round Up to the Nearest $100: If your repayment is $1,520, increase it to $1,600. That extra $80 chips away at your debt fast.
- Deposit Windfalls: Use cash bonuses or tax returns for lump-sum payments instead of spending them on non-essentials.
- Check Your Loan Flexibility: Ensure your home loan allows extra repayments without penalties. Most variable loans offer this feature for free.
The earlier you start, the greater your interest savings will be. Always consult with your mortgage broker to tailor an extra repayment strategy for your specific budget.
Using Calculators and Tools
Calculating home loan repayments can be complex, but using online calculators and tools makes the process easier for Australian homebuyers. These tools can help you estimate your repayments, compare different loan scenarios, and project potential savings over time. They provide valuable insights into how different factors, such as interest rates and loan terms, affect your monthly payments and total interest paid.
At Hunter Galloway we provide a user-friendly tool tailored to Australian homebuyers. It allows you to quickly calculate repayments and explore various loan options, helping you make informed decisions about your mortgage.
Common Mistakes First Home Buyers Make
In this section, we’ll highlight common mistakes when it comes to how home loan repayments are calculated, and offer tips on how to avoid them.
1. Chasing the Lowest Rate Only – Consider the Full Picture
Many first home buyers focus primarily on securing the lowest interest rate. However, they ignore other critical factors that affect the overall loan cost. While a lower rate seems appealing, you must evaluate the entire package.
For example, basic loans might look cheap but lack essential flexibility. They often come with high upfront fees or restrictive features. You might miss out on a redraw facility or a full offset account.
These extra restrictions can add up over time. Ultimately, they offset the benefits of that low initial rate.
The Net Bank Profit Burden Factor
Blindly accepting a bank’s initial offer can cost you significantly. Recent banking sector research shows the Big Four Australian banks capture an estimated 1.51% net profit margin on a standard owner-occupier loan.
On an average-sized new mortgage, this margin translates to roughly $926 per month in built-in bank profit during the first year alone.
This hard economic reality proves that accepting a default package leaves substantial money on the table. You need negotiation power or broker leverage to claw that value back.
Look At The Whole Package
To find the right loan, you need to weigh multiple factors against each other:
- Upfront and Ongoing Fees: High setup or annual charges can outweigh a minor rate discount.
- Account Features: Tools like offset accounts save more interest than a slightly lower base rate.
- Lender Customer Service: Slow processing times can cause you to miss out on your dream property.
A good mortgage broker helps you compare lenders and loan products holistically. This ensures you find a loan that works for both your immediate needs and long-term financial goals.
2. Ignoring Extra Repayment Options – A Missed Opportunity to Save Big
One of the most powerful ways to reduce your home loan repayments over time is by making extra repayments. However, many first-time buyers overlook this option, not realising how impactful it can be in reducing both the loan term and the total interest paid.
For example, by making even a small additional repayment each month or switching to fortnightly repayments, you can reduce your interest costs substantially. Over time, these extra payments add up and help you pay off the loan years earlier. Ignoring this option is a missed opportunity for significant savings. Always ask your lender about the ability to make extra repayments and consider the flexibility of your loan structure before committing.
3. Choosing Max Loan Term Blindly – More Interest in the Long Run
Many first-time buyers opt for the maximum loan term (typically 30 years) to keep their monthly repayments lower. While this can make monthly payments more affordable in the short term, it can cost you significantly more in interest over the life of the loan.
For instance, on a $500,000 loan with an interest rate of 5% over 30 years, your monthly repayment might be around $2,684. But if you choose a 25-year loan term, your repayments will increase to around $2,915 per month. While the higher repayment might seem daunting, it will reduce the total interest you pay by tens of thousands of dollars over the loan term. When calculating your repayments, always consider balancing your monthly budget with your long-term goals. A mortgage broker can help you assess whether a shorter loan term could fit within your financial plans.
4. Not Planning for Rate Rises – Stress Test Your Budget
Interest rates can rise over time. Consequently, your mortgage repayments could increase too. First home buyers often fail to plan for rate rises, leaving them vulnerable to severe financial strain.
To protect yourself, you must stress test your budget. This process involves calculating how your repayments change if rates jump by 1% or 2%. By preparing early, you ensure that future rate hikes will not catch you off guard.
The APRA Serviceability Buffer Margin
Fortunately, Australian regulators build a safety net directly into the home loan application process. The Australian Prudential Regulation Authority (APRA) enforces a strict rule for all banks. They require lenders to apply a minimum 3% interest rate serviceability buffer.
This buffer means banks test your financial limits before approving your mortgage. For example, if you apply for a loan at 6.5%, the bank acts cautiously. They internally calculate your repayments at 9.5% instead.
Lenders use this higher rate to ensure you can survive a massive rate hike cycle. However, you should still run your own numbers to ensure your lifestyle remains comfortable.
How to Handle Rate Hikes
If you want to protect your household budget from fluctuating market rates, consider these active steps:
- Lock in a Fixed Rate: Fix your interest rate if you anticipate steady rate increases ahead.
- Make Extra Repayments: Pay extra now to reduce your loan principal quickly.
- Build a Cash Buffer: Keep spare funds in an offset account to absorb future payment jumps.
5. Not Using a Mortgage Broker – A Good Broker Helps Compare and Negotiate
Many first home buyers skip the mortgage broker route and go directly to a bank, thinking it will simplify the process. However, a good mortgage broker can provide immense value. They have access to a wide range of lenders and loan products, enabling them to compare interest rates, features, and fees across multiple options.
Additionally, brokers are skilled negotiators and can often secure better terms than you could achieve on your own. They can also help you understand how home loan repayments are calculated, taking into account your financial situation and advising you on the best loan structure. Brokers can help you navigate the complexities of the loan market, saving you time, money, and stress in the long run.
FAQs On How Home Loan Repayments Are Calculated
How is interest calculated on an Australian home loan?
Interest is calculated daily by multiplying your outstanding loan balance by your interest rate, then dividing by 365 days. The accumulated daily interest is then officially charged and added to your balance once a month.
Does a lower advertised rate always mean lower monthly repayments?
Not necessarily. If a loan has a low advertised rate but carries heavy annual or monthly account-keeping fees, your true cost—reflected in the comparison rate—could mean higher overall repayments.
What happens to my repayments if the RBA changes the cash rate?
If you have a variable-rate loan, your lender will usually adjust their standard variable rate in line with Reserve Bank of Australia (RBA) cash rate updates, causing your repayments to rise or fall. Fixed-rate loan repayments remain entirely unchanged during their fixed term.
Does an offset account reduce my minimum monthly repayment?
No. On a standard Principal and Interest loan, your minimum monthly direct debit stays exactly the same. However, because you owe less interest, more of that payment goes directly toward clearing your principal balance.
Can I change my repayment frequency from monthly to fortnightly at any time?
For basic variable-rate loans, lenders generally allow you to switch frequencies instantly via online banking. For fixed-rate loans, changing frequencies or repayment structures mid-term may require lender approval or trigger break fees.
Why are early repayments higher on Principal and Interest (P&I) loans?
In the initial years of a 30-year term, your principal balance is at its highest, meaning the daily interest accumulation is also at its peak. As you chip away at the principal over time, the interest portion shrinks, and your repayment chunks down the principal much faster.
How does capitalizing Lenders Mortgage Insurance (LMI) affect repayments?
Capitalizing means the cost of the LMI is added directly to your total mortgage amount. This increases your total principal, meaning your ongoing monthly repayments are calculated based on a larger overall debt.
Will making extra repayments penalize me?
If you hold a variable-rate mortgage, you can typically make unlimited extra repayments without penalty. If your mortgage is fixed, most Australian lenders impose a strict annual cap (usually around $10,000 to $20,000 per year) before charging exit fees.
Final Thoughts
Understanding how home loan repayments are calculated isn’t just about crunching numbers—it’s about taking control of your financial future.
Whether you’re trying to budget for your first home or figuring out how to pay off your mortgage faster, having a solid grasp of repayment structures, loan types, and available tools will give you the confidence to make smart choices.
Next Steps And Getting Your Home Loan
At Hunter Galloway, we help first home buyers navigate this journey from start to settlement—and beyond. From finding the right loan to explaining how repayments really work, our team is here to support you every step of the way.
Unlike other mortgage brokers who are just one person operations, we have an entire team of experts dedicated to help make your home loan journey as simple as possible. If you want to get started, please give us a call on 1300 088 065 or book a free assessment online to see how we can help.
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