Your loan right now
Rough numbers are fine — this is a first look, not an application.
Loan balance
Current fixed rate
Months until it expires
Years left on the loan
Rough property value
Used only to show your equity position.
Today's fixed rate (indicative)5.19%
Indicative carded rate as at 30 June 2026. An adviser will price your actual options across lenders.
IF YOU REFIXED AT 5.19%
Fortnightly now
$1,699
Fortnightly after
$1,458
You'd save
$241 /fn
That's $6,262 a year back in your pocket.
What an adviser would check on top
- 01Switching cashback. Banks are paying roughly $3,120–$4,680 to win a loan your size.
- 02Your equity position. You're at 67% LVR with $260,000 equity — under 80%, so every lender's sharpest rates are on the table.
- 03Split and term strategy. Whether to fix all of it for one year, or split across terms to spread the risk of rates moving.
- 04Break fees, if you moved before expiry — sometimes worth it, often not.
Want these numbers checked properly?
One licensed mortgage adviser in your region will call you — free, no obligation, paid by the bank if you proceed, never by you.
Your numbers stay on this page unless you choose this.Not ready to talk to anyone?
Fair enough. Leave an email and we'll send one nudge about 3 months before your rate expires — around August 2026. One email, your numbers re-run at that day's rates. No newsletter, nothing else, ever.
Not a lender
We don't sell mortgages and we don't take commissions from banks. We connect you with one licensed adviser, once, with your consent.
Your data, your call
The calculator runs in your browser. Nothing is stored or sent until you explicitly ask for a callback.
One adviser, not five
Your enquiry is exclusive to a single adviser in your region — you'll never be ring-fenced by a call centre.