This calculator takes your financial information and calculates how long it will take you to repay your home loan. All you have to do is input the required information and let the calculator do all of the work for you. It even lets you compare different repayment sizes so you can figure out what kind of repayment schedule and rate works best for you.
Conclusion: It does not take into account any possible fees i.e. up-front fees or ongoing fees. Interest rate does not change over the loan term.