What costs should I include?
Include discharge, application, valuation, settlement, registration and package costs that apply to your switch.
Refinance costs
Refinance break-even calculator
Estimate how long a lower repayment could take to recover discharge, application, valuation and other switching costs.
Indicative result
- Estimated monthly repayment change
- $314 lower
- Estimated fee break-even
- 2 months
The estimate holds the balance and remaining term constant. It does not include cashback, rate changes, taxes, package benefits or changes to how you use an offset account. Results are educational estimates only. Borrowing power uses a simplified net-income assumption rather than current tax tables or lender policy. The duty tool is a broad planning range, not a duty calculation. Results may omit fees and concessions and are not an offer, approval, tax advice or financial advice.
Questions about this estimate
Is a lower repayment always a saving?
No. Extending the loan term can reduce the repayment while increasing total interest, so compare the same remaining term and total cost.
Start your enquiry
Turn the estimate into a real comparison
Tell us what you are planning and we will help compare suitable lender options for your circumstances.
- A response within one business day
- Compared across banks and specialist lenders
- No obligation and no cost to compare
Every enquiry lands directly with our finance team.