Calculator
Switching Costs
Estimate the costs of changing your home loan in a clean, easy-to-use format before deciding whether refinancing is right for you.
Overview
Understand the costs involved
Use this switching costs calculator to estimate the upfront expenses that may apply when moving from your current home loan to a new one. It is a practical starting point when comparing whether refinancing could deliver meaningful value.
Your actual costs can vary depending on your lender, loan type, discharge fees, government charges, valuation costs, and any break fees that may apply. If you want help weighing up the numbers, Links Property Finance can guide you through the comparison.
At a glance
What this helps you do
- Estimate likely refinance costs
- Compare fees against potential savings
- Plan your next step with more clarity
Frequently Asked Questions
Switching cost FAQs
A clearer view of fees, break costs, and refinance timing can help you judge whether a new loan is genuinely worthwhile.
Does switching always save money?
Not always. A lower rate can look attractive, but the real value depends on the upfront costs of refinancing and how long you expect to keep the new loan.
Can I refinance while on a fixed rate?
Often yes, but break costs may apply. Those costs should be weighed against the potential savings, flexibility, and features of the replacement loan.
What costs should I allow for?
Common costs can include discharge fees, government charges, application fees, settlement costs, valuation fees, and in some cases break fees on your current loan.
Should I speak with a broker after using the calculator?
Yes. A broker can help you review your current loan, identify likely fees, and compare lenders so you can decide whether switching supports your goals.
Important information
This calculator is provided as a general guide only and does not constitute credit advice, approval, or a loan offer. Results are estimates and may not reflect all lender policies, fees, interest rates, or your full financial circumstances.
Before making a decision, consider the loan features, total costs over time, and whether refinancing supports your broader financial goals. The embedded calculator, MFAA branding, colours, fields, and functionality have been retained as provided.
Next Step
Talk through your refinance options
Use your estimate as a starting point, then speak with Links Property Finance for guidance tailored to your loan goals and refinancing plans.