🔄 Refinance Analyser

Should I Refinance Today?

Enter your current loan, new loan offer, and all switching costs. The calculator tells you exactly when you break even on costs, when you enter the saving zone, and your total net benefit over the loan term.

❌ Current Rate
% p.a. — what you pay now
✅ New Rate Offer
% p.a. — new lender's rate
🏠

Current Loan

$
$
$
✅

New Loan

$
$
$
💸

Upfront Switching Costs

📋 Discharge / Exit Fee
$
📝 Application / Setup Fee
$
🏠 Valuation Fee
$
⚖️ Legal / Conveyancing
$
🔒 Break Cost (if fixed)
$
🏛 LMI (if LVR > 80%)
$
📦 Other Costs
$
Total Upfront Cost $2,050
🔄

Enter your current rate, new rate offer,
loan balance, and switching costs —
then click Calculate Refinance Decision