Refinance savings.

What a lower rate is actually worth — per month, over the loan, and how quickly the switching costs pay for themselves.

Current loan balance

Current rate (% p.a.)

New rate (% p.a.)

Remaining term (years)

Switching costs (discharge, application, registration)

Monthly saving $0

Current repayment$0

New repayment$0

Break-even on costs—

Saved over remaining term (net of costs)$0

See what rate we can find you →

Same remaining term both sides — no term reset, so the saving is real, not stretched. Fixed-rate break costs not included.

Assumptions: principal-and-interest repayments over the same remaining term on both loans (no term reset); rates constant; switching costs paid upfront; excludes any fixed-rate break costs on your current loan and ongoing package fees — bring your statements and we'll do the exact version.

DeMarque Group Pty Ltd trading as DeMarque Home Loans is an authorised Credit Representative (Credit Representative Number 522568) under Australian Credit Licence 384704. The information on this website is general in nature and does not take your personal objectives, financial situation or needs into account. Consider its appropriateness to these factors before acting on it. Results are estimates for general information only — they are not a loan offer, an approval, or credit advice, and your lender's own assessment will differ. Talk to us on (02) 8046 6878 for figures based on your circumstances.