Calculator
Refinance calculator
The loyalty tax is real: lenders save their sharpest pricing for new customers. This tool compares your current loan against a scenario, includes the switching costs, and shows the monthly difference and the break-even point.
If the scenario looks compelling, the next step is testing it against reality: our refinancing review does that across 50+ lenders, at no cost to you. And before you talk to any broker, arm yourself with the 6 questions worth asking.
Current repayment
$3,376/mo
Scenario repayment
$3,191/mo
Monthly difference
$185
At this difference, the switching costs in this scenario are recovered in about 6 months.
Estimates for general guidance only, comparing simplified scenarios from your inputs. Not advice, not a quote and not a prediction of any lender’s actual pricing or assessment.
Refinance calculator questions
What costs come with refinancing?
Commonly a discharge fee from your current lender, government registration fees, and sometimes application or valuation costs at the new lender. The calculator lets you include an estimate so the break-even maths is honest.
What is a realistic rate to model?
We deliberately do not publish rates: they change constantly and depend on your circumstances. Model a scenario you have seen advertised, then let us pressure-test it across 50+ lenders with your actual file.
Is the monthly difference the whole story?
No. Structure, offset features, fees and how long you keep the loan all matter. A slightly higher repayment with the right structure can beat a cheaper loan that fights how you live.
Is this calculator advice?
No. It compares 2 scenarios from your inputs with simplified assumptions. Your actual outcome depends on lender assessment and your circumstances.
Scenario looks good? Test it for real
We compare your actual loan across 50+ lenders and tell you honestly whether the switch is worth it.