Do you compare the whole market?

Yes. We are not tied to one bank, lender or franchise. We compare a wide panel of lenders and recommend what genuinely suits your goals — we work for you, not the bank.

How much can I borrow?

It depends on your income, expenses, deposit and goals. Use our repayment estimate for a feel, then we confirm your real borrowing capacity in a quick, no-obligation chat.

How long does pre-approval take?

Conditional / pre-approval is typically 2–3 business days once your documents are in, so you can shop or bid with confidence.

Can you help me refinance?

Absolutely. Refinancing can save money or unlock better loan features. We review your current loan and compare the market to see if a better-fit option is available.

What does it cover after settlement?

We stay in your corner beyond settlement — reviewing your loan regularly so it keeps working for you as rates and your circumstances change.

Plan smarter

Mortgage calculators

Pick what you want to work out, get an instant estimate, then talk to a broker about your real numbers.

What would you like to work out?

Compare staying put vs refinancing — across three repayment scenarios.

Mortgage Switching

Enter your details

Details

Loan amount$Interest rate%Loan termyrsIntroductory rate%Standard / revert rate%

Current loan

Repayment frequency

Regular fee$Discharge / end fee$

New loan

Introductory termyrsUpfront refinance fees$New regular fee$

View your results

Refinance saving (keep your repayment)

$79,527

Stay · repayment: $3,592.16
Stay · total interest & fees: $362,617
Refinance (min) · intro repayment: $3,038.99
Refinance (min) · reverts to: $3,431.75
Refinance (min) · total interest & fees: $318,906
Refinance (min) · saving: $43,711
Refinance (keep) · total interest & fees: $283,090
Refinance (keep) · time saved: 1 yr 10 mo

Loan balance chartStay (current loan)Refinance (keep repayment)

Assumptions

Three scenarios: stay on your current loan, refinance and pay the minimum, or refinance and keep your current repayment. Switching costs are capitalised into the new loan. Excludes fixed-rate break fees. A guide only — your broker confirms the real cost.

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you get in touch with us before taking out a loan so that we can provide you with advice that is tailored to your situation.

Talk to a broker on WhatsApp — +61 401 051 277

Beyond the estimate

Get your real numbers from a broker

Calculators are a great start — book a no-obligation chat and we’ll confirm your actual borrowing position across a whole-of-market lender panel.

Book a Consultation WhatsApp +61 401 051 277

Mortgage Station Pty Ltd ACN 050601093 is an Authorised Representative (Credit Representative Number 458488) of Mortgage Specialists Pty Ltd ACN 612 422 178 Australian Credit Licence 387025.The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention are taken in its preparation, any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only.