Comparing and switching
Compare two loans
The cheaper rate is not always the cheaper loan. This puts both against the same balance and term, and adds the annual fee to each so the totals are comparable.
Your numbers
600,000
395
Result
Cheaper over 30 years
Loan A, by $10,442
- Loan A repayment
- $3,593.45
- Loan B repayment
- $3,655.37
- Loan A total cost
- $1,305,491
- Loan B total cost
- $1,315,933
- Difference in repayment
- $61.92
Plus $395 a year in fees.
No annual fee.
- Loan A$1,305,491
- Loan B$1,315,933
What this does not tell you · It ignores features that carry real value — a genuine offset, free redraw, portability — and any upfront or discharge cost.
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