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Compare your current payment with an offer and see when its costs are recovered.
Enter your current balance and loan terms, then the new offer's rate and fees.
A variable rate after an initial fixed period is shown only as your scenario, not a market forecast.
Payments and interest use monthly amortisation. Refinance cost includes the fees you enter and any early-repayment charge.
Break-even appears only when the new monthly payment is lower. Ask the lender for an official repayment schedule and total cost.
No. It is a mathematical comparison based on your inputs.
No. The rate after the fixed period is a scenario you enter.
Loan comparison
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