Refinance calculator

Should I refinance?

A $3k cashback looks great — until a higher rate eats it. See your real saving and break-even after switching costs.

Monthly saving
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lower repayment at the new rate
Break-even
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Net benefit · 2 yrs
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Indicative estimate only — not financial advice, a quote or a credit offer. Figures exclude some fees and assume a standard principal-and-interest loan. Your real position depends on the lender and your circumstances. Speak with VV Advisory (credit services provided under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for a tailored assessment.

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