Taking your home loan hassles away
Should I refinance? Run the numbers.
Pop in your current loan details and the new bank's offer. We'll work out what switching actually costs — and whether it comes out ahead.
We need at least one current loan split and one new loan split to run the numbers. Fill in the amount, rate, and term for each.
Your current home loans
If your loan is split across different rates or terms, fill in each part separately. Leave any splits you don't need blank.
Split 1
$
Split 2 optional
$
Split 3 optional
$
Split 4 optional
$
Costs of switching
These are the upfront costs of leaving your current bank. Enter what applies and leave anything blank that isn't relevant.
$
Your current bank can give you this figure.
$
Most banks calculate this pro-rata, so you'll only repay a portion based on how far through the period you are. Your current bank can give you the exact figure.
$
Around $1,500 for a standard refinance is typical.
New bank offer
Enter the loan structure the new bank is offering. If you're topping up your borrowing at the same time, add it as the last split.
Split 1
$
Split 2 optional
$
Split 3 optional
$
$
Not sure what's on offer? Ask us — we can find out what the new bank is offering. Once you know, pop it in here. It offsets some of the upfront switching costs.
Result
Repayment comparison
Current bank
New bank
Net position after switching (repayment savings minus all switching costs)
After 1 year
After 2 years
After 3 years
Full breakdown
Want to talk it through?
These numbers are a starting point. The full picture depends on your equity, your bank's flexibility, and what's available right now. We're happy to run it through with you properly.
