Current loan
$0/ month- Remaining term
- —
- Est. remaining interest
- $0
Refinancing Calculator
Refinance Calculator
Compare repayments, remaining interest, refinance costs and the effect of extending the loan term.
Calculator
Compare your current loan and a refinance
Compare your current home loan with refinancing over the same remaining term or a new proposed term.
Obtain a current payout or break-cost figure from the lender before relying on this comparison.
Refinance — same remaining term
$0/ month- Est. interest
- $0
- Interest difference
- $0
Refinance — proposed term
$0/ month- Proposed term
- —
- Interest difference
- $0
Same-term refinance
$0 / month
- Estimated interest saving
- $0
- Upfront refinance costs
- $0
- Simple break-even
- —
If you keep paying what you pay now
$0 / month
- Modelled payoff
- —
- Time saved vs current scheduled term
- —
- Interest saved vs current scheduled loan
- $0
Additional borrowing
The like-for-like comparison above still uses your existing balance. Your actual proposed loan including additional borrowing is shown separately.
Additional borrowing$0
Actual proposed loan$0
Estimated combined repayment$0 / month
Stay with existing lender — repriced
Estimated repayment$0 / month
Estimated remaining interest$0
Difference vs same-term refinance$0
Quick scenarios
Remaining loan balance over time
Like-for-like balance comparison. Additional borrowing is excluded from this chart.
CurrentSame termProposed term
What does this comparison suggest?
Calculator estimate only. Results use standard monthly amortisation assumptions and the information entered. Actual lender repayments, rates, fees, payout figures, fixed-rate break costs, lending policies and settlement costs can differ. Future interest rates are unknown. This calculator does not determine whether refinancing is appropriate or whether a lender will approve an application.