Your loan right now
Rough numbers are fine — this is a first look, not an application.
Loan balance
Current fixed rate
Months until it expires
Years left on the loan
Rough property value
Used only to show your equity position.
Today's fixed rate (indicative)5.19%
Indicative carded rate as at 30 June 2026. An adviser will price your actual options across lenders.
IF YOU REFIXED AT 5.19%
Fortnightly now
$1,699
Fortnightly after
$1,458
You'd save
$241 /fn
That's $6,262 a year back in your pocket.
What an adviser would check on top
- 01Switching cashback. Banks are paying roughly $3,120–$4,680 to win a loan your size.
- 02Your equity position. You're at 67% LVR with $260,000 equity — under 80%, so every lender's sharpest rates are on the table.
- 03Split and term strategy. Whether to fix all of it for one year, or split across terms to spread the risk of rates moving.
- 04Break fees, if you moved before expiry — sometimes worth it, often not.
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