Calculator methodology
Caravan Finance vs Mortgage Top-Up Calculator: Methodology
The calculator compares standalone caravan finance with a mortgage-funded purchase at the entered mortgage horizon and at a matched caravan-loan horizon.
Calculation approach
- Matched-term output isolates the rate effect from the term effect.
- Fees entered for caravan finance are included.
- Resale, insurance, tax and lender eligibility are outside the model.
What the calculator deliberately does not decide
The calculator does not select a lender, predict approval, expose lender policy or provide personal financial or tax advice. It is a transparent comparison tool so you can test structure before seeking a quote.
Run the numbers
Compare my finance options
Use the enquiry form for an initial broker review. No lender application is made just by enquiring.
Compare my finance optionsSources and verification
- Moneysmart — Car loans: secured-loan comparison principles
- PPSR — How the PPSR protects buyers and lessees
General information only. It is not personal financial, tax or legal advice. Finance approval, pricing and structure are subject to lender assessment and your circumstances.