Refinance Checker
Would a new mortgage improve your return? Compares your current payment against a refinance proposal, then nets off the arrangement fee, exit fee and any term change.
New rate cuts your monthly payment by €207 and the €3,900 of fees pay back in 19 months. Over 5 years you keep €8,510 net.
Red flag · Your new term (25 yrs) extends 3 years beyond your current remaining term. Lower monthly payment, but you'll pay more total interest.
Next move · Lock the rate now if it's a tracker — the saving is real but rate volatility can erase the 5-year net quickly.
Free saves the scenario. Trial unlocks the full report.
Free stress test
5-year net saving under stress
Three what-ifs. Individual unlocks the full sensitivity grid.
| What if | Base | Under stress |
|---|---|---|
| New rate +0.5% | €8,510 | €5,453 |
| Arrangement fee +50% | €8,510 | €7,310 |
| Term extended +5 yrs | €8,510 | €13,902 |
The term-extension row looks better in year 5 — but you pay more total interest. Individual models the full life of the loan.
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How to interpret your results
- Worth-it: arrangement + exit fees pay back in under 2 years AND the 5-year net is positive.
- Borderline: fees pay back inside 5 years and the 10-year picture is still positive — useful if you're certain you'll hold that long.
- Skip: fees out-run the saving over a 10-year horizon, or the new term extends so far that you pay more total interest despite the lower rate.
- Term extension is a hidden trap. Lower monthly payment + longer term often means more total interest, even at a lower rate.
What this doesn’t include
Valuation fee, legal fee, broker fee, early-repayment-charge variation by lender, rate-shock on the new product. Pro adds rate-shock scenarios + multi-product comparison.
Keep going on this property, or move it into the full portfolio so you can track it month after month.
Import into portfolio uses the free Individual trial — no card to start. Upgrade to Pro adds the full AI team and portfolio dashboard.