Google reviewRepayment difference
Compare the current repayment with the tested scenario.
Home-loan review for Australian homeowners
Rates have moved. Is your home loan still a good fit?
Check the numbers before you consider moving. Compare staying, asking your lender to reprice, or refinancing after switching costs and loan term are taken into account.
Illustrative result first · No contact details required · No obligation to enquire
Straight answers · Practical support through settlement.Meet Ferdi
Individual experiences differ; lending outcomes and timelines vary.Since 2011Mortgage-broking experience
Result firstContact details stay optional
Total-cost viewFees, features and loan term
Reviewed by FerdiPersonal advice stays human
Free refinance quick check
See the maths before you consider moving.
A lower repayment can look attractive, but switching costs and a longer loan term can change the real outcome. The quick check keeps those assumptions visible.
Cost-recovery time
Estimate how long switching costs may take to recover.
Loan-term effect
See when a lower repayment may come from stretching the debt longer.
Value beyond the headline rate
A lower rate is not automatically a better move.
The useful question is whether the overall loan fits your position better after costs, features, flexibility and future plans are considered.
Cost to change
Application, discharge, break and other switching costs can reduce the benefit.
Features you use
Offset, redraw, repayment flexibility and package fees can matter as much as rate.
Your next plan
The right structure should also support what you may want to do next.
General information only. Personal advice requires a review of your full circumstances. Moneysmart switching guide ↗
Planning something else?
Start with the goal that matters now.
Buying pathways stay available without competing with the current-loan review.
My first home
What could I comfortably afford?
Prepare a practical deposit, purchase-cost and borrowing pathway before making offers.
Explore first-home optionsMy first investment
Could my current equity support the next property?
Review usable equity, serviceability, holding costs and a sensible cash buffer.
Explore investment financeBuying from overseas
What could I buy and finance in Australia?
Check residency, income currency, deposit, FIRB and purchase costs before applying.
Explore the overseas-buyer pathwayA low-pressure way to start
Get value before you decide to enquire.
The calculator gives you an illustration first. Ferdi becomes involved only when you ask for a personal review.
Start my quick check- 01
Check privately
Enter the loan figures and see an illustrative result without contact details.
- 02
Choose personal review
Send the result to Ferdi only if you want the real position reviewed.
- 03
Move only when it adds value
Stay, reprice or refinance after the costs, policy and full circumstances are checked.
A panel of 30+ lenders
More options than a single-bank conversation.
Ferdi researches lender options around your circumstances, needs and plans.
Start with the refinance check
Logos are shown as examples of lenders on the panel. Not every lender or product will be suitable or available for every applicant. Access is subject to accreditation, lender policy and credit assessment.
Straight answers
Questions worth answering before you refinance.
Understand the trade-offs before changing a long-term loan.
Should I refinance whenever I find a lower rate?
Not automatically. Compare the repayment, switching costs, remaining term, features and total interest. Sometimes staying or repricing with the current lender is the better outcome.
What is the difference between repricing and refinancing?
Repricing means asking your existing lender to improve its offer. Refinancing means applying to move the loan to another lender. Both should be compared on overall value, not rate alone.
Do I need to enter contact details to see a result?
No. The calculator shows the illustrative result first. Contact details are requested only if you choose to send it to Ferdi for a personal review.
Do I pay the mortgage broker?
Lenders generally pay mortgage brokers a commission. Any applicable client-paid fee and the commissions AUD Finance may receive will be disclosed before you proceed.
Will the quick check recommend a lender or predict approval?
No. It is an illustration, not a lender recommendation, credit assessment or approval likelihood. Ferdi must review your full circumstances and current lender policy before providing personal credit assistance.
Your next useful step
See the numbers first. Then decide whether you want Ferdi to review them.
Check my refinance scenario
Illustrative result first · Personal review only if you ask
I already know what I need