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.

Current loan balance

Current interest rate

Remaining loan term

years

Current repayment type

Current monthly repayment (optional)

New loan proposal

The refinance offer you're considering.

New loan amount

New interest rate

New loan term

years

New repayment type

Property & fees

Property value drives LVR. Refinance fees feed the break-even calc.

Property value

Total refinance fees

Refinance summary

Current monthly repayment

$3,331.55

New monthly repayment

$3,063.37

Monthly saving

$268.17

Annual saving

$3,218

Total refinance cost

$750

Break-even period

2.8 months

New LVR

56.5%

Risk level

Low

Good — refinance looks worthwhile

This refinance appears financially reasonable because it improves monthly cash flow, has an acceptable break-even period, and keeps the LVR within a manageable range.