Fixed Rate Expiry Calculator

When a fixed term ends, most loans roll to the lender's revert rate — often well above what new customers are offered. Estimate the jump, and the alternative.

Loan balance at expiry ($)

Current fixed rate (% p.a.)

Revert / variable rate after expiry (% p.a.)Check your lender's revert rate — often 6.5–7.5%

Competitive refinance rate (% p.a.)

Remaining term (years)

Estimated repayment jump at expiry

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Repayment on current fixed rate—

Repayment on revert rate—

Repayment on competitive rate—

Revert vs competitive — first-year difference—

Fixed rate expiring soon?

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This calculator is an estimate only and does not consider your full circumstances, lender fees, eligibility, valuation, credit policy or final loan approval. Rates entered are examples; your lender's actual revert rate and available refinance rates will differ. Principal & interest repayments assumed.