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Refinance

Refinance calculator — savings, break-even, and your free PDF report

Model what switching rate or lender could mean for your monthly repayment — then download a branded report with optional property value and LVR. Estimates only; when you want retention vs external paths checked against real policy, enquire with Bishnu.

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Refinance savings

Compare monthly P&I repayments when balance and remaining amortising term are unchanged — then see a simple break-even on switching costs. It does not model interest-only rollovers, term extensions that lower monthly payments but increase total interest, fixed-rate break costs, cashback vesting periods, or offset balances moving with you.

Discharge, application, valuation, and legal — ballpark only.

Property details (optional)

Add these for LVR on your downloadable report.

Repayment comparison

Current (approx.)
$3,765/mo
After refinance (approx.)
$3,511/mo
Monthly difference
−$254/mo
Approx. annual saving
$3,048/yr

Rough break-even on switching costs: 14 months of saved repayments (excluding offset behaviour and fee timing).

Comparison

Hover a bar for emphasis — values are shown on the right.

Current repayment (per month)$3,765
New repayment (per month)$3,511

Cumulative savings (60 months)

If the monthly difference stayed steady, saved cash flow stacks roughly along this slope — before tax, offset use, or price changes.

0 mo30 mo60 mo

≈ $15k cumulative over 60 months (illustrative)

Free download

Get your personalised refinance savings report

Download a premium branded PDF with your savings headline, rate comparison, LVR (when you add property value), and a direct line to Bishnu — plus a copy in your inbox.

Monthly saving (illustration)
−$254/mo
Annual saving
$3,048/yr
LVR (if value entered above)
Add property value

General information only · Not credit advice · We also email Bishnu a copy of the lead

General information only. These calculators provide estimates based on the numbers you enter. They do not constitute credit advice, take your full situation into account, or replace a lender's assessment. Fees, eligibility, and actual offers vary. Speak with a broker for guidance tailored to you.

Want your refinance numbers checked against real lenders?

Retention pricing, break costs, and valuation buffers change whether switching is worth it. Send your scenario — replies are usually same business day on business days.

Prefer WhatsApp? Message Azure Home Loans · Full contact form · 0400 77 77 55

Refinance calculator — common questions

Go deeper

Topic hubs — refinance, first home, and self-employed reading

  • Refinance hub

    Explore hub →

    Refinance queries usually start as a rate comparison, but approvals hinge on surplus, seasoning, valuations, cashback clawbacks and break costs — all before product fit.

  • First home buyer hub

    Explore hub →

    First purchasers juggle FHBG spots, FHSS releases, parental equity, valuation buffers and genuine savings seasoning — spreadsheets rarely capture policy nuance.

  • Self-employed borrowers hub

    Explore hub →

    Add-backs, trust distributions versus personal tax assessments, seasoning of business income — self-employed underwriting is seldom one PDF and done.

Prefer the full index? Resources home

Free official tools

Trusted calculators & guides (refinance)

These are government and regulator sites — not lender marketing pages. Use them to cross-check numbers, then talk to a broker when you want policy-level answers on your file. Azure Home Loans is not affiliated with these agencies; links open in a new tab where external.

Ran the numbers — ready for a retention vs switch comparison?

Bishnu Adhikari compares lenders to your file. Call 0400 77 77 55, WhatsApp, or send an enquiry.

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Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.

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