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Refinance Calculator
Pick the scenario that fits your situation. Numbers update live as you type. Open Advanced details at the bottom for splits, stress tests, and a full breakdown.
Current loan
Your existing loan as it stands today.
New loan proposal
The refinance offer you're considering.
Property & fees
Property value drives LVR. Refinance fees feed the break-even calc.
Refinance summary
Current monthly repayment
$3,332
New monthly repayment
$3,063
Monthly saving
$268
Annual saving
$3,218
Total refinance cost
$750
Break-even period
3 months
New LVR
56.5%
LVR band
LVR 60% or below
Estimate summary
Based on your inputs, the new loan's estimated repayments are $268 a month lower, and fees would be recovered in about 3 months.
This is an estimate, not advice. We'll connect you with a licensed broker from our network who can talk you through your options.