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Refinance / Balance Transfer Checker
Compare your current loan against a lower-rate offer and see savings, fees, and break-even clearly.
Current loan
Replacement offer
Tool FAQs
Short answers to the most common questions about this calculator.
A lower rate is not enough on its own. The fee recovery period and total remaining savings are what matter.
Only if the cashflow relief is strategically important. Longer tenures can erase a lot of rate-cut benefit.
Yes. Percent fee, flat fee, and legal charges are included in the switching cost.
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