# Refinance Calculator AU > Home loan refinance calculators and practical guides ## Posts - [How Do I Calculate Home Loan Repayments?](https://refinance.org.au/how-to-calculate-home-loan-repayments/): To estimate a principal-and-interest home loan repayment, use the amount you owe, the annual interest rate, the remaining term and the repayment frequency. A $500,000 loan at a constant 6% over 25 years has an estimated monthly repayment of $3,221.51 before fees. Use your own loan figures for a refinance comparison. - [How Much Usable Equity Can I Access When Refinancing?](https://refinance.org.au/how-much-usable-equity-can-i-access/): An indicative usable equity amount is the property value multiplied by a selected lending limit, minus the existing loan balance. For example, $900,000 × 80% − $500,000 gives $220,000 before costs. The lender’s valuation, income assessment and lending rules determine whether any additional amount is available. - [What Does It Cost to Refinance a Home Loan in Australia?](https://refinance.org.au/what-does-it-cost-to-refinance-a-home-loan/): There is no single refinancing cost that applies to every Australian home loan. Add the charges to close the old loan and establish the new one, including any quoted break cost or LMI. Then compare ongoing fees separately and subtract only cashback you qualify for. - [How Much Could I Save by Refinancing My Home Loan?](https://refinance.org.au/how-much-can-i-save-refinancing-home-loan/): Your potential refinance saving is the difference between the cost of keeping your current home loan and the cost of the proposed loan, after ongoing fees and switching costs. Compare the same balance and remaining term first; a lower advertised rate alone does not tell you the saving. - [When to Refinance Your Home Loan](https://refinance.org.au/when-to-refinance-home-loan/): Refinancing may be worth considering when the full benefit of a new loan exceeds the cost of changing and the loan still fits your circumstances. There is no universal rate drop or waiting period that makes switching worthwhile for everyone. - [Refinancing a Fixed-Rate Home Loan: Costs and Timing](https://refinance.org.au/refinancing-fixed-rate-home-loan/): Leaving a fixed-rate home loan early can involve a break cost. Obtain a current quote from your lender, add the other switching costs, and compare the proposed change with the option of waiting until the fixed period ends. - [How to Refinance an Investment Property](https://refinance.org.au/refinance-investment-property/): An investment-property refinance needs more than a rate comparison. Identify the borrowing purpose, include any extra debt in the proposed loan, and compare repayments and costs while checking the lender’s assessment separately. - [Home Loan Refinancing Checklist](https://refinance.org.au/refinance-checklist/): Prepare your current loan figures, written refinance quotes and application evidence before you compare or apply. Use this checklist to track what you have confirmed; your lender may ask for additional or different documents. - [How to Refinance a Home Loan in Australia](https://refinance.org.au/how-to-refinance-a-home-loan/): Refinancing replaces your existing home loan with another loan. Start with the balance and term you have left, compare the full cost of each option, then confirm the new lender’s requirements before applying. ## Pages - [Home loan refinance calculators.](https://refinance.org.au/calculators/): Five tools. One clearer comparison. - [Home loan refinance guides.](https://refinance.org.au/guides/): Practical home loan refinance guides. Learn how to compare repayments, costs and equity, then use your own figures to explore the next step. - [Terms of use](https://refinance.org.au/terms-of-use/): These terms apply to your use of this free refinance calculator and the reports it produces. Please read them with the calculator disclaimer and privacy policy. - [Refinance LVR Calculator: Check Your Loan-to-Value Ratio](https://refinance.org.au/refinance-lvr-calculator/): Your loan-to-value ratio (LVR) is your loan balance divided by the property's value, shown as a percentage. - [Refinance Costs and Break-Even Calculator Australia](https://refinance.org.au/refinance-costs-break-even-calculator/): Break-even is the number of months it takes for your monthly saving to repay the net cost of switching. - [Usable Equity Calculator: How Much Can I Refinance?](https://refinance.org.au/how-much-can-i-refinance/): Most lenders will consider refinancing up to 80% of your property's value without lenders mortgage insurance. - [Calculator disclaimer](https://refinance.org.au/financial-disclaimer/): The calculator is a planning aid. - [Cookie and tracking policy](https://refinance.org.au/cookie-policy/): Enquiries use the email and phone links. This edition does not submit a contact form or automatically include your calculator inputs in an enquiry. - [Refinance Comparison Calculator: Compare Two Offers](https://refinance.org.au/compare-refinance-offers/): The cheapest refinance offer is the one with the lowest total cost over the time you keep the loan, not just the lowest rate. - [Home Loan Refinance Calculator](https://refinance.org.au/): Use this free refinance calculator to compare your current Australian home loan with a proposed refinance. - [Privacy Policy](https://refinance.org.au/privacy-policy/): Enquiries use the email and phone links. This edition does not submit a contact form or automatically include your calculator inputs in an enquiry. [comment]: # (Generated by Hostinger Tools Plugin)