Annuity vs Linear Mortgage
Enter your loan details once and compare both mortgage types side by side.
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Frequently asked questions
Which mortgage type saves more money?
A linear mortgage always costs less in total interest because you reduce the principal balance faster. The savings can be tens of thousands of dollars on a typical 30-year loan.
Which should I choose?
Choose annuity if you want predictable payments and maximum affordability upfront. Choose linear if you can afford the higher initial payments and want to minimise total interest paid over the life of the loan.
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