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See what switching could save you
Compare your current home loan against a new rate. We include the usual switching costs, so you can see your real savings and how quickly you'd break even.
Current loan balancewhat you still owe today
$
Term remainingyears left on the loan
years
Current interest rateon your existing loan
% p.a.
New interest ratethe rate you're comparing
% p.a.
Switching cost assumptions
Discharge fee
$
Application fee
$
Current monthly fee
$
New monthly fee
$
Upfront fees are added to the new loan balance. Adjust these to match your lenders; actual fees vary and may include government charges not shown here.
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Cumulative savings
Break-even
Important: This calculator provides estimates only and is intended as a guide, not as financial or credit advice. Results are based on the figures and assumptions you enter, assume principal and interest repayments with monthly compounding, and do not account for rate changes, offset balances, redraw, fixed-rate break costs, lenders mortgage insurance or government charges. Your ability to refinance is subject to lender assessment and credit approval. Consider seeking personal advice before acting.
Sydney-based mortgage broker. 40+ lenders. 15 years inside the banks.
Maison Brown Financial Pty Ltd · Australian Credit Licence #384704 · Credit Representative #570440 · Aggregated under Finsure
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances, and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.