⚠️ Private Funding Cost Calculator

Understand the true cost before you commit

⚠️

Private funding is designed for SHORT-TERM emergency use only. The costs shown below demonstrate why a conventional loan should always be your first choice. Use this calculator to make an informed decision.

Monthly Repayment
$6,250
Interest-only
Total Interest
$37,500
Total Fees
$20,000
💸 Total Cost of This Loan
$57,500
That's 11.5% of the loan amount — gone in 6 months
Effective Annual Cost (incl. all fees)
23.0% p.a.
When all fees are included, the true cost is much higher than the headline rate

📊 Cost Comparison: Private Funding vs Standard Loan

Private Funding
$57,500
Standard 6.2%
$15,500

The same $500,000 loan at a standard home loan rate of 6.2% would cost just $15,500 over 6 months

Finance Hub and Networks Pty Ltd | ABN: 70 644 141 613 | Australian Credit Licence 573164

This calculator provides estimates only. Actual costs vary by lender, loan structure, and your circumstances. Speak to a qualified broker before making any financial decision. Private funding involves significant costs and risks.