The cost of doing nothing adds up
On a $500,000 loan, a 0.50% rate gap is roughly $150 a month — about $9,000 over five years. That's money already paid, before you've moved.
Finance Lab · Resources · Calculators · Refinance Check
Complimentary · 60 seconds · No obligation
Are you on the right rate?
Tell us four things about your loan. We'll show you your property value, estimated rent, and the rates available right now from across the panel.
Real rates from the Finance Lab lender panel. Refreshed daily via the open-banking feed each lender publishes. · ACL 389328 · 17 years in Norwood.
Step 1 of 1
Your loan, your numbers
Where the loan is secured. We use this to calculate your loan-to-value ratio.
Owner Occupier
Investment
Principal & Interest
Interest Only
$
Your current outstanding balance.
$
Your best estimate. We'll confirm via a formal valuation if you proceed.
%
The rate you're paying right now.
Pick from the list, or type a lender we don't show.
01
Your numbers
Four fields, no log-in. Takes about a minute on your phone.
02
Live valuation
Property value & rental estimate from CoreLogic — same data the banks use.
03
Market scan
We compare against every Finance Lab panel lender that publishes an open-banking feed, refreshed daily.
04
Your number
See exactly what you could save — then book a call to lock it in.
Why this matters
Most home loans drift over time
Lenders sharpen their pricing for new customers. After 18 months, your rate could sit 0.30% above what they're offering today. The gap quietly compounds.
Two minutes here. Two years of repayments saved
Plug your numbers in below and see where you sit against today's market. A typical refinance settles in 4 to 6 weeks — the work pays back month after month.
Why a broker beats DIY
The calculator shows the carded rate
The numbers above are what each lender publishes — the rate you'd be quoted walking into the branch. A broker negotiates on top of that, and can typically secure a better rate than the advertised market rates.
One application. 50+ lenders considered
Walking into one bank gets you one offer. We hold accreditation across 50+ lenders, including the four majors, the second-tier banks and the digital lenders the comparison sites don't show. One conversation, the full panel.
Represents you, not the banks
We're paid for the loan that suits you, not the lender we're closest to. That's the model we've operated under for 17 years. The rate, the structure and the lender are picked around your circumstances — not theirs.
Frequently asked questions
No. The calculator doesn't pull your credit file. It uses the loan numbers you enter and the rates each lender publishes via the open-banking feed. A credit check only happens later, with your written consent, if you decide to apply with a specific lender.
Yes. The calculator, the 20-minute call and the written quote afterwards are all complimentary. Brokers in Australia are paid by the lender at settlement — not by you. The fee is the same whether you go direct or through us.
No. We hold accreditation across 50+ lenders. That includes the four majors (Commonwealth Bank, Westpac, NAB, ANZ), the second-tier banks (Macquarie, Bankwest, ING, Suncorp, Bank of Queensland, Bendigo, Bank of Melbourne, BankSA, St.George) and the digital and specialist lenders (Ubank, AMP, Pepper Money, Firstmac, Resimac, La Trobe Financial), among others.
A typical refinance settles in 4 to 6 weeks from when the application goes in. Some lenders move faster, some slower. We manage the back-and-forth with the new and existing lender so the only thing you sign is the document at the end.
For a standard refinance: photo ID, two recent payslips, a statement from your current loan, a council rates notice and your last home insurance certificate. For self-employed, two years of tax returns. We send a checklist after the call so nothing is missed.
Yes, but break costs apply. Break costs depend on how much fixed term remains, the loan size and movement in wholesale rates since you fixed. Sometimes the savings outweigh the break cost, sometimes they don't. We model both before you decide.
The calculator uses the value you enter; a formal valuation happens later if you proceed. If the formal valuation comes back lower than expected, we'll show you the options — including staying with your current lender on a renegotiated rate, which often works when the loan-to-value ratio has shifted.
Where do I land against the market?
You've read the why. The how takes two minutes. Plug your numbers in, see where you sit against today's market and decide from there.
Run the calculatorDebug — top 20 results
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