Refinance calculator Australia
Estimate the repayment difference between your current loan and a possible refinance path before you spend time on lender paperwork.
Monthly repayment$3,062
$602,444Total interest
$1,102,444Total paid
30y 1mPayoff
Stress Test
What happens if rates rise?
Extra Repayments
Pay off faster, save interest
Offset Account
Interest savings from offset balance
Upfront Costs
Deposit, stamp duty, and settlement costs
Compare Scenarios
Score and compare loan quotes
Quote decision canvas
Score the quote before you trust it
Rate is only one signal. This scorecard helps reduce headline-rate bias and compare quote quality across what actually matters.
A cheaper advertised rate is only useful if the saving survives fees, feature trade-offs, and realistic cashflow assumptions. Estimate the monthly difference first, then ask whether the switching effort, discharge costs, and package costs still make sense.
Refinancing should improve resilience, not just today's number. Pressure-test the loan under higher rates before you commit. A refinance estimate is useful only when the new path still works under stress.
Frequently Asked Questions
- What does this refinance calculator estimate?
- It estimates the repayment difference between your current rate and a possible new rate using your remaining balance and term.
- Does a lower rate always mean I should refinance?
- No. Fees, features, cashflow resilience, and execution risk still matter. Use the result as a first filter, not a final answer.
- What should I do after the savings estimate?
- Stress-test the repayment range, then compare quote quality and feature fit before changing lenders.