Commercial property finance

Could refinancing your commercial loan save you money?

Compare your current loan with a proposed refinance. See the repayment difference, interest and switching costs, and the debt remaining over the same period.

The starting figures are examples, not available rates or a lender quote. Replace them with your actual loan details. This calculator does not assess borrowing eligibility.

Request an indicative commercial refinance quote

Your current loan

Current loan balance ($)Current interest rate (% p.a.)Remaining loan term (years)Repayment type

Proposed refinance

Uses the same balance. Cash-out and extra borrowing are excluded, apart from costs you choose to finance.

Proposed interest rate (% p.a.)New loan term (years)Repayment type

Interest-only assumes no principal repayments for the entire term; the balance must then be repaid.

Costs and comparison period

Other switching costs ($)

Include discharge, establishment, legal, registration and any break costs. Example allowance only; confirm your actual fees.

Add switching costs to the new loan instead of paying upfront

Assume lender-paid valuation for an eligible refinance below $1.5 million

Your valuation cost: $0
Based on the lender-paid refinance option described by Fetch My Home Loan. Lender and application eligibility must be confirmed. Other fees still apply.

Compare over (years)

Must not exceed either loan term. Total switching costs in this scenario: $2,500.

How to use this estimate

Rates stay constant; interest is calculated monthly and repayments occur at month-end. Actual lenders may calculate interest daily.
Principal-and-interest loans amortise over the selected term. Interest-only loans keep their principal outstanding; balloon repayment and future refinance costs are not modelled.
Costs are counted once, even when financed. Financing costs increases the new balance and interest. No cash-out, offsets, ongoing fees, tax effects, rate changes or lender conditions are modelled.
A repayment reduction is not the same as an interest saving. Compare costs and the remaining debt together.
Figures are rounded for display. The $0 valuation is a lender-dependent assumption for eligible refinances strictly below $1.5 million, including other financed switching costs before valuation.

General information only, not financial advice, a loan offer or approval. Confirm lender quotes, costs and suitability with your broker and obtain independent advice where appropriate.

Matthew Stack · Senior Mortgage and Commercial Finance Broker, JP · Fetch My Home Loan · Milperra, Sydney · Helping borrowers across Australia.

Privacy policy · Figures entered here are calculated in your browser; this calculator does not submit your loan details. The separate quote form sends the details you submit to Fetch My Home Loan.

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Your property and current loan

What is your current interest rate? (% p.a.)Is the property held in a company or personal name?Estimated property value ($)Current loan balance ($)Property addressDo you have good credit?

Your business — latest 12 months

Estimated business revenue ($)Estimated net profit ($)

How can I contact you?

Full name (first and last) *Email *Mobile *

* Required. Estimates are fine for the financial details. By submitting, you agree that Matthew Stack at Fetch My Home Loan can contact you about this enquiry. Privacy policy.