JAM Refix Options Calculator
Taking your home loan hassles away

Compare your loan options

Enter your loan details below, then adjust Options A and B to see what different rates, terms, and extra payments would mean — and exactly how much sooner you could pay it off.

$
This balance applies to all three columns below
Westpac customers: your repayments are calculated on your original loan limit, not your current balance. All other banks recalculate on your remaining balance. To see an accurate current repayment, enter your loan limit (not your current balance) in the field above.
Fortnightly repayment
—
Total interest
—
Paid off in
—
Total repaid
—
Payoff date
—
Your current loan
% p.a.
Remaining term
yrs
mo
Payment frequency
What are you currently paying?
$ / fn
Leave at 0 to see the minimum repayment
Fortnightly repayment
—
Total interest
—
Paid off in
—
Total repaid
—
Payoff date
—
Option A
% p.a.
New loan term
yrs
mo
Payment frequency
Extra repayments (optional)
$ / fn
$
Fortnightly repayment
—
Total interest
—
Paid off in
—
Total repaid
—
Payoff date
—
Option B
% p.a.
New loan term
yrs
mo
Payment frequency
Extra repayments (optional)
$ / fn
$
How each option compares to your current loan
Want help choosing? Let's talk.

Your best option depends on more than the numbers. Give the JAM team a call and we will talk it through with you before you refix.

Call JAM 027 217 9765

Prefer email? support@ankermortgages.co.nz

Figures shown are indicative only. Your bank calculates interest on a daily reducing balance, so your statement may differ slightly from these figures. This tool does not account for fees, break costs, or lender-specific terms and is a guide to help you compare options — not financial advice. Confirm final numbers with your adviser. Jude Anker Mortgages Ltd is registered with the Financial Markets Authority.