Refinance calculator and home loan review planning

Go further with $4,000 cashback

Special home loan offer for eligible borrowers buying a new home, an investment property or refinancing. Terms and conditions apply.

1. Check rateCompare your current rate, repayment type, features and lender position.

2. Compare LendersWe compare 40+ from our lending panel.

3. Test equityCheck valuation, LVR, cash-out purpose and lender approval fit.

4. Switch with a planUnderstand discharge, settlement, new loan setup and break-even timing.

Switching could mean saving you thousands.

Reasons you may want to refinance your home loan:

Get a lower interest rate
Reduce monthly repayments
Switch from variable to fixed, or fixed to variable
Consolidate debts into the home loan
Access equity for renovations, investment, business, travel, or other goals
Remove or add someone to the loan
Change lenders for better service or loan features
Get offset, redraw, split loan, or package features
Refinance after a fixed-rate period ends
Improve cash flow if your circumstances have changed
Move from interest-only to principal and interest, or the other way around
Review the loan after your property value has increased

Refinance calculator

Compare current and new repayments, estimate monthly savings and rough break-even timing.

Current loan balance Current interest rate New interest rate Remaining term New loan term Switching costs Cash out amount Refinance rebate

Estimated monthly saving$0

New repayment$0

Break evenN/A

New loan amount$0

Net switch cost$0

Refinance rebate$0

Refinance benefits can change with fees, discharge costs, package fees, cashback rules, cash-out approval, loan features, term extension and approval conditions.

The refinance approval path

The cleanest refinance is usually a rate, policy and property check moving together before you commit to switching lenders.

1. Start your refinance review

We look at your current loan, interest rate, repayment type, remaining term, fees and what you want the refinance to achieve.

2. Review your options

We compare rates, cashback offers, lender fees, features, valuation position and policy fit so you can see whether switching may be worthwhile.

3. Conditional assessment

If the numbers look right, we prepare the application and check income, expenses, debts, equity, LVR and supporting documents.

4. Approval and loan documents

Once the lender is satisfied, you receive loan documents and we help you understand the new repayment, features and settlement steps.

5. Settlement

Your new lender pays out the old loan, the refinance settles, and we help confirm the new repayment setup and review date.

Let us help you save thousands on your refinance.

Book a call and we will help compare rates, rebates, fees, lender policy and the next practical step for your refinance.

Book a call Start application