RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%

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Example Interest Rates: Home Loan Variable: 5.20% (5.24%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.20% (5.24%*) • Investment IO: 5.78% (6.81%*) • Investment PI: 5.49% (6.32%*)

Convert Seconds to HH:MM:SS

The following will convert seconds to an HH:MM:SS format.

$result = gmdate('H:i:s', ($seconds));

To add the 's' for seconds (it puts the time into perspective), use:

$result = gmdate('H:i:s', ($seconds)) . 's';

For anything under a minute, you might want to strip the leading 00:00.

$result = ltrim(gmdate('H:i:s', ($seconds)), '00:') . 's';

While printing an 's' gives the time a reference, you might want to keep the leading 00: at times even when there's no hour. Use the following:

$result = ltrim(gmdate('H:i:s', ($seconds)), '00:00:') . 's';

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Reference: PHP Manual, time() and date() .

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. [ Example Credit Guide Link ]

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Convert Seconds to HH:MM:SS

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