The refinance feasibility calculator provides an indicative view of whether refinancing your existing home loan may be possible based on the information you enter, such as your current loan balance, interest rate, loan type, offset balance and loan term remaining. It is designed to help you understand whether refinancing may be worth exploring further.

Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Results are estimates only and must not be relied upon as a lending outcome.

No. The calculator does not confirm eligibility or approval. It does not represent a conditional or formal approval from any lender. All refinance applications are subject to lender assessment, credit policy, and supporting documentation.

The calculator is a high level feasibility tool only.

The calculator can provide an estimate of potential repayment or interest savings based on assumptions entered. It does not account for future rate changes, fixed rate break costs, or long term strategy considerations.

Savings shown should be treated as indicative only and not as a recommendation.

Generally no. Cash out, debt consolidation, or equity release requests are assessed under separate and often stricter lending criteria and are not fully captured by a feasibility calculator.

If you are considering accessing equity, a personalised assessment is essential.

No. The calculator does not assess your credit report or repayment history. Credit issues such as late payments, defaults, or high credit limits may affect refinance outcomes and are assessed by lenders as part of the application process.

No. The calculator is a general information tool only and does not provide personal financial advice, credit advice, or recommendations.

You should not rely on the calculator results to make financial decisions.

If the calculator suggests refinancing may be feasible, the next step is a detailed review with a mortgage broker. This includes:

• Reviewing your income and expenses in detail

• Assessing lender specific servicing models

• Confirming refinance costs and savings

• Considering structure and long term strategy

Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are estimates only and it is advised that you consult with a mortgage broker about your specific circumstances.