Smarter Repayments
See How Much You Can Save
Use our free refinance calculator to compare your current loan with a new one — and check if you could lower repayments or reduce interest.
Refinance Calculator
Compare Your Loan and
Discover the Difference
Enter your current loan details to instantly compare refinancing options. See how much you could save on repayments, reduce interest over time, or access equity to fund your next move — all in a few clicks.
Refinancing Calculator
$100K
$5M
Your remaining loan balance
1%
15%
1 yr
40 yrs
Years left on your current mortgage
1%
15%
The rate you'd qualify for when refinancing
Current Monthly Payment
$0
New Monthly Payment
$0
Monthly Savings
Difference between current & new payments
Total Interest Saved
Over the remaining term
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FAQs
Frequently Asked Questions
Got questions about how refinancing works or what these numbers mean? Here are some quick answers to help you use the calculator with confidence.
How does this calculator work?
It compares your current loan with a new one by estimating monthly repayments and total interest over the remaining term. You enter your loan balance, interest rate, and term — then adjust the new rate to see your savings.
What’s included in the monthly savings?
The savings shown reflect the difference between your current and new estimated monthly repayments. It’s based on principal & interest repayments only — it doesn’t include extra costs like fees or insurance.
Does the calculator show exact savings?
Not exactly. It gives you a solid estimate based on your inputs. Final savings will depend on the lender, loan structure, fees, and whether you choose to refinance for a longer or shorter term.
Can I refinance with a different loan term?
Yes. This calculator assumes the same remaining loan term, but in real life, you can choose a different one — shorter for faster repayment, or longer for lower monthly costs. We can help you explore both.
What do I do after calculating?
If the savings look good, click “Book a Meeting” to chat with one of our mortgage advisors. We’ll help you understand your options and guide you through the refinancing process step by step.