Refinance Calculator AULegal information
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.
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Using the calculator
You may use the tool to explore your own home-loan scenarios and share or save the reports it provides for personal or internal business discussion. Please enter information you are entitled to use and do not interfere with the tool or attempt to access its server code or other users' information.
Estimates, not a credit offer
The calculator provides general estimates from the inputs and assumptions shown on the page. It is not a lender quote, a credit approval, a recommendation of a particular loan or personal financial or credit advice. Rates, fees, eligibility and repayments must be confirmed with the relevant lender or a qualified professional. The calculator disclaimer explains key assumptions and limitations.
Optional refinance enquiry
If you request a call, you authorise contact about that enquiry using the details you provide. Sending an enquiry does not oblige you to apply for or accept a loan. The privacy policy explains the contact details and any calculator snapshot sent with the request.
Reports and site content
You may copy or download a calculator result for lawful use, including discussing it with a lender or broker. The design, text, software and branding remain with their respective rights holders. Do not present an edited report as an official lender offer or remove context that explains its assumptions.
External links and sharing
Links to lenders, Moneysmart, professional profiles or sharing services are provided for convenience and context. Those sites have their own terms and privacy practices. A link does not mean we control or endorse every statement on the external site.
Availability and changes
We may correct calculations, content or technical issues and may change or withdraw the tool. We aim to keep it available, but cannot promise uninterrupted access or that every input will reflect current lender pricing.
Australian consumer rights
Nothing in these terms excludes, restricts or modifies any right or remedy that cannot lawfully be excluded under the Australian Consumer Law or other applicable law. Any limitation in the calculator disclaimer is subject to those rights.
Questions and applicable law
These terms are intended for an Australian audience and are subject to applicable Australian law. Contact ryan.lee@aussie.com.au with a question about these terms.
Continue exploring
Where will your next move take you?
Choose the calculator or guide that helps you understand your next refinance decision. Browse all calculators or explore the guides.
Calculators and practical guides
Compare your current loan with a new loan, including repayments, fees and payoff time.
Work out your loan-to-value ratio, equity and distance from 80% LVR.
Estimate your usable equity and the loan amount at your chosen LVR.
Compare two offers against your current loan, including fees and cashback.
Add up switching costs and estimate how long your savings take to cover them.
