Review your loan
Refinance Calculator
Compare your current loan repayment with a possible new rate and estimate monthly cash-flow change after refinance fees. Results are estimates only — book a call with us to get lender-specific numbers.
Current loan
New loan scenario
Common questions
Frequently asked questions
What should I compare before refinancing?
Compare repayments, fees, loan features, remaining term, fixed-rate break costs, cashback conditions and whether the new loan still fits your plans.
Can a lower rate still cost more?
Yes. Fees, a longer loan term or unsuitable features can reduce or remove the benefit of a lower rate.
Should refinance costs be added to the loan?
Some borrowers add costs to the new loan, but that can increase interest over time. This calculator shows a simple scenario with costs added.
When should I review my home loan?
Common review points include fixed-rate expiry, rate rises, income changes, equity growth, debt consolidation needs or changed property plans.