Refinance comparison
Compare repayments over the same remaining term and allow for switching costs.
Refinance comparison tool
Monthly repayment difference
$191
Based on your assumptions. Actual lender repayments and costs may differ.
| 0 months | −$2,500 |
|---|---|
| 5 years | $8,934 |
| 10 years | $20,368 |
| 15 years | $31,802 |
| 20 years | $43,237 |
| 25 years | $54,671 |
| 30 years | $66,105 |
- Current repayment
- $3,597
- New repayment
- $3,407
- Switching-cost break-even
- 14 months
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How this estimate works
Illustration only, not financial advice, a loan offer or lender approval. Monthly principal-and-interest repayments, a constant nominal annual rate divided by 12, and no offset, redraw, interest-only periods or rate changes. Figures are rounded to whole dollars; lenders may calculate differently.
Both loans use the same remaining term. Switching costs are paid upfront, not financed. Positive differences mean savings; negative differences mean higher costs. Break-even does not account for the time value of money. Other fees are excluded.
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