Refinance quick check

Could your current home loan be costing more than it needs to?

Use a simple rate-reduction test to estimate the repayment difference and cost-recovery time, often called break-even. Then ask Ferdi to compare stay, reprice and refinance using the real details.

See your result firstNo obligation to enquireReviewed by Ferdi

Refinance quick check

Test whether refinancing may be worth a closer look.

You do not need to know a new lender rate. Choose a simple rate-reduction test and we will show what it could mean mathematically.

Current loan balance

Current interest rate

Years remaining on the loan

Test the repayments if the rate were…

A maths test only, not a live rate or lender offer.

0.25%lower0.50%lower0.75%lower

Estimated switching costs

A rough allowance for discharge, application, valuation and settlement costs. Actual fees and any break cost can differ.

Advanced options · usually leave these unchanged

Repayment typeNew loan term · yearsKeep this the same as the years remaining for a fairer comparison.

Estimate only

This calculator uses only your inputs. It does not check live rates, eligibility, valuation, features, fees or lender policy, so the real outcome may differ.