Compare your current home loan with refinance options to see if switching makes financial sense. Our calculator factors in the new interest rate, ongoing fees, discharge/break costs, and shows your net savings over the remaining loan term.
| Loan Balance | Rate Drop 0.25% | Rate Drop 0.50% | Rate Drop 0.75% |
|---|---|---|---|
| $400,000 | $60/mo | $119/mo | $178/mo |
| $600,000 | $89/mo | $178/mo | $267/mo |
| $800,000 | $119/mo | $238/mo | $356/mo |
| $1,000,000 | $149/mo | $297/mo | $445/mo |
Savings estimates assume 25 years remaining on a P&I variable loan.
Enter your details above to get instant, accurate results. Our calculator uses current Australian rates and rules — updated regularly.
Need help? Our guides explain how each calculation works and what the results mean for you.