About remortgage.help

One question, one calculator: is refinancing your Australian home loan worth doing?

Most Australian home loan content is organised by product or by lender. This site is organised around a single decision instead. You bring the numbers for the loan you actually have, and we show you what a switch would do to them — then you decide.

What we do

Run an estimate of whether refinancing is worth it for your numbers: the change in each repayment, how long the switching costs take to pay back, and the net benefit across your remaining term.
Explain, in plain English, what the costs of switching are and how to add them up, using official sources from ASIC, Moneysmart and the Reserve Bank of Australia.
Hand you off, free, to a licensed mortgage broker who can review the same numbers against what lenders are actually offering — with your figures attached so you do not retype them.

What we do not do

We do not quote lender rates, publish rate tables or rank lenders.
We are not a lender, credit provider or credit broker, and we do not hold an Australian Credit Licence or an Australian Financial Services Licence.
We do not give personal financial advice, approve credit, or offer you a rate.
We do not decide for you. The calculator gives you a verdict on the arithmetic; the decision and the contract are yours.

How the calculator works, and where it stops

The calculator models a fully amortising loan at a fixed rate over your remaining term, and subtracts the one-off costs you enter. That is an estimate by design. It does not model your offset balance, redraw facility, loan features, a change in repayment frequency, or anything else that lives in the contract. Use it to get the shape of the decision, then check the details against your current contract and any written quote.

Talk to a licensed mortgage broker

When you have run the numbers, you can send the whole result to a licensed mortgage broker for a free review. Your balance, rates, remaining term, the costs you entered and the calculated result travel with the message, so the conversation starts where it should. A review is not a credit approval and not a rate offer — the lender decides whether to approve your application and on what terms.

You can reach the same place from the calculator on the home page, from any guide on this site, or by emailing contact@remortgage.help.

Where our facts come from

Market figures come from official sources and carry the date they were read. The only market number used on this site is the cash rate target: 4.60%, effective 30 September 2026, decided 29 September 2026 (RBA media release), read on 1 October 2026. This site does not list lender rate tables or rankings. Rates move and they differ between borrowers. In the chat, a broker-side assistant can share current reference rates, which are indicative only and subject to assessment of your own application. The Reserve Bank publishes the cash rate target that lenders price off — see the reference below.

Legal

remortgage.help provides general information about refinancing an Australian home loan. We are not a lender, credit provider or credit broker, and we do not hold an Australian Credit Licence or an Australian Financial Services Licence. Nothing here is personal financial advice, a credit approval, a rate offer or a recommendation to refinance with any lender. Check your own contract and any written quote before deciding, and talk to a licensed mortgage broker.

remortgage.help is operated in Australia by Unilink Pty Ltd, trading as remortgage.help. See the disclaimer and privacy policy.