Refinancing Calculator

Find out if switching lenders actually saves you money after all costs — with your real break-even date, tax impact, and negotiation edge.

• Calculate your exact break-even month after processing fees, legal charges, and valuation costs are included.
• Generate a personalised negotiation script to use with your current lender before committing to a switch.
• Account for tax treatment under old and new regimes so you see the net saving, not the headline rate difference.