Australia 2025
Home Loan
Refinance
2025 Australia Home Loan Refinance Calculator (Advanced)
Before refinancing, read the 2025 Refinance Timing Guide and compare lenders in the 2025 Australia Home Loan Comparison .
TL;DR Summary
- Calculate new repayments, interest saved and break-even time.
- Compare old vs new rates instantly.
- Includes optional LVR checker for LMI risk.
- Use this tool before applying for a refinance.
Refinance Savings Calculator (Australia)
Optional: LVR checker
If LVR > 80%, LMI may apply.
Comparison Table
| Feature | Stay with current lender | Refinance |
|---|---|---|
| Rate change | Small discount via rate review | Larger drop possible |
| Costs | None | Discharge, application, valuation, registry fees |
| Features | No change | Offset / redraw / extra repayments |
| Time | Fast | 2–6 weeks |
FAQ
Is refinancing worth it?
If the rate drops enough and you recover fees within 2–3 years, yes.
Do I need 20% equity?
No, but LVR > 80% may require LMI.
Non-financial advice disclaimer
This tool is for general information only.