Remortgage Calculator

Use our mortgage refinance calculator to compare your current loan with a new offer. Discover your potential monthly savings, break-even point, and total lifetime savings in seconds.

Why refinance with Holo?

We make mortgage refinancing simple, fast, and tailored to your needs. Here’s why thousands trust Holo to help them save:

Frequently asked questions about mortgage refinancing

What is mortgage refinancing?

Mortgage refinancing means replacing your current home loan with a new one — usually to get a lower interest rate, better terms, or access to equity.

How do I know if remortgage is right for me?

If your interest rate is higher than what’s currently available, or your financial situation has improved, refinancing could save you money. Our mortgage refinance calculator can help you see your potential savings instantly.

Are there any costs involved in refinancing?

Yes, there may be fees such as valuation, processing, and early settlement charges from your current bank. But don’t worry — our calculator includes these to show you your real break-even point.

Can I refinance if I still have many years left on my loan?

Absolutely. In fact, refinancing earlier in your loan term can lead to higher savings especially if you’re switching to a lower rate.

How much can I save by refinancing?

Savings vary, but many users reduce their monthly payments and save thousands over the life of the loan. Use our calculator to find out your exact savings.

Do I need to switch banks to refinance?

Not always. Some borrowers refinance with the same bank for better terms, but switching banks often brings better rates and offers. We help you compare both.