Fixed rate expiry calculator Australia
Find out what your repayments could look like when the fixed rate ends
Your fixed rate has an end date whether you think about it or not. It doesn't send a warning shot, it just becomes variable one day and hopes you don't notice.
Use the calculator to model what your repayments could look like after the fixed period finishes, so you can see the potential change before it lands in your bank account.
Then, if the number doesn't sit right, you've got time to actually do something about it.
Fixed Rate Calculator
Your next repayment doesn't have to be a surprise.
surprise.
When a fixed period ends, your loan may move onto the lender's applicable variable rate unless you arrange something different. That can change the repayment. Sometimes a little. Sometimes enough that you'd rather have known earlier.
The calculator gives you a way to model what the change could look like based on the figures you enter. It's an estimate, not a prediction of the exact rate your lender will offer when the fixed term ends.
What it does give you is a useful question to answer before expiry:
"Am I comfortable with this, or is it worth reviewing the loan now?"
next repayment
surprise.
repayment
The fixed rate ending is one thing. What happens after it is the useful bit.
Use it before the fixed rate ends
Not the week you panic-call the bank convinced you've been robbed.
This calculator is useful if...
This calculator is useful if...
The earlier you know the likely impact, the more room you have to make a considered decision.
Your fixed rate expires in the next few months
You've received a letter or email from the lender and aren't sure what the new repayment means
You want to understand how a higher variable rate may affect your monthly budget
You're deciding whether to refix, go variable or look at other lenders
Your financial circumstances have changed since you originally fixed
You want enough time to compare your options without making the decision under pressure
You simply want to know what's coming before it happens
any discount applied to your loan
your remaining balance
The calculator can model the repayment. It can't tell you *exactly* what your lender will offer later.
Your result depends on the assumptions and rates used in the calculator. The actual repayment after expiry can change based on things like:
Future rates are the annoying part
whether you refix
the lender's variable rate at the time
That's why the result is useful for planning, not fortune-telling. Nobody's got a crystal ball for where rates will sit next year, least of all a calculator.
The important thing is seeing the potential impact early enough to decide whether the current lender still makes sense.
the remaining loan term
whether you change products
whether you refinance
the structure of the loan
Put in what you know and see what the end of the fixed rate could mean.
Three numbers now. Fewer surprises later.
01
Use the most accurate balance you have.
Enter your current loan balance
Add your current fixed rate
02
This helps establish where the loan sits now.
Tell us when the fixed term ends
03
Choose the expiry month from the calculator.
04
Review the estimated repayment change
You'll get a clearer idea of what the loan could look like once the fixed period ends.
Decide whether it needs a proper review
05
If the change looks manageable, great. If it doesn't, that's your cue to compare the available options before the expiry date arrives.
You've got more than one option when the fixed period ends.
Got the number? Here's what it actually helps you decide.
Got the answer?
Here's what to do with it.
If you're not sure whether to fix again
That's not a decision a calculator can make for you. Fixed and variable structures come with different trade-offs, and the right fit depends on your circumstances, preferences and what you want from the loan.
If your financial situation has changed
That matters too. A loan that suited you when you first fixed may not be the best fit for your income, expenses, family or property plans now.
If the increase is bigger than you expected
Now you've got time to look at the options before it becomes the new normal. That might mean speaking to the current lender, considering another fixed period, moving onto variable, or comparing refinancing options.
If the new repayment still feels comfortable
Good. That doesn't automatically mean you need to change anything. You can still review the lender, rate and structure, but the decision becomes one of suitability rather than urgency.
The expiry date is a natural point to reassess the whole loan, not just the interest rate.
When a fixed period ends, the obvious temptation is to ask: "What's the next rate?"
We'd rather ask: "What does the whole loan need to do now?"
We'll look at your current lender, repayment, remaining term, features, equity and what's changed since the loan was originally fixed.
Then we can compare the relevant options across 40+ lenders and explain the trade-offs.
No automatic refinance. No automatic refix. Just the numbers and the reasoning.
Refix, go variable, refinance, or stay put. First we work out which makes sense.
The expiry date is a trigger. Not a recommendation.
If the Health Check says "worth a look"
Here's what happens next.
step FOUR | DECIDE
Refinance, reprice, or stay put. You'll know why.
step one | Quick Chat
Twenty minutes to talk through the current loan and why you're reviewing it.
step TWO | full loan review
We look at the rate, repayments, balance, term, equity and what you want the loan to do differently.
step THREe | COMPARE OPTIONS
If there are worthwhile alternatives, we show them side by side with the switching costs and trade-offs included.
step one | Quick Chat
Twenty minutes to understand the current loan, expiry date and what you're worried about.
step TWO | Loan Review
We look at the balance, remaining term, repayments, current lender, features and what your circumstances look like now.
step THREE | Loan Strategy Meeting
Stay with the lender, refix, move to variable or refinance, whatever's actually available and suitable, laid out side by side in your Game Plan.
step FOUR | Decide before the expiry date
You'll understand the costs, repayments and trade-offs before choosing a direction.
7+ years broking · 250+ clients · 40+ lenders · 100+ 5-star reviews · 7+ years broking · 250+ clients · 40+ lenders · 100+ 5-star reviews · 7+ years broking · 250+ clients · 40+ lenders · 100+ 5-star reviews · 7+ years broking · 250+ clients · 40+ lenders · 100+ 5-star reviews · 7+ years broking · 250+ clients · 40+ lenders · 100+ 5-star reviews ·
"Let's see how your rate looks and work on getting you a better one"
Skye Howden
"I first worked with Steph 12 months ago when she went above and beyond to help me secure a mortgage at a time when I honestly thought all hope was lost. Fast forward 12 months, and Steph reached out to check in. She said, "Let's see how your rate looks and work on getting you a better one!" and that's exactly what she did. They don't just help you get a loan, they build lasting relationships and truly have your best interests at heart."
"A better rate even though we already had a competitive rate"
Alana Andrews
"Stephanie and her team were able to arrange a better rate for our loans even though we already had a competitive rate. The transition to the new lender was smooth and Stephanie was prompt to assist with any enquiries and offered support whenever needed."
Everything you'd otherwise be typing into a search bar.
Before the fixed rate chooses for you
Know your next repayment before it's a problem
Run the calculator and get a clearer idea of what the end of the fixed period may mean for your repayments.
If the number looks fine, great.
If it doesn't, you've still got time to compare the options and decide what makes sense before the rate changes.
If there's something worth changing, you'll know exactly where the conversation needs to go next.
