Important Disclaimer

The refinance savings estimate provided by our calculator is indicative only and does not constitute financial advice, product advice, or a recommendation. The estimate is based on general calculations using the information you provide and market data, and should not be relied upon as the sole basis for making financial decisions.

You should consider seeking independent financial advice tailored to your individual circumstances before making any decisions about refinancing your home loan.

Actual savings from refinancing will vary based on numerous factors, including but not limited to:

• Your exact current interest rate and loan terms
• The actual interest rates available to you from lenders
• Your credit history and financial circumstances
• Lender assessment criteria and policies
• Property valuation
• Loan-to-value ratio (LVR)
• Market conditions at the time of application

Refinancing your home loan may involve various costs and fees, including:

• Discharge fees from your current lender
• Application fees for the new loan
• Valuation fees
• Legal fees and settlement costs
• Break costs (if you have a fixed-rate loan)
• Lenders Mortgage Insurance (if applicable)
• Government registration fees and stamp duty

These costs can significantly impact the net benefit of refinancing. We will provide a detailed breakdown of all applicable costs during your refinance review.

We do not guarantee that you will be approved for refinancing or that you will receive any particular interest rate or loan terms. Lender approval is subject to their assessment criteria and policies, which may change without notice.

The interest rates and loan products available to you depend on your individual financial circumstances and the lender's credit assessment.

Interest rates and loan products are subject to change without notice. While we make reasonable efforts to ensure information is accurate and current, we do not warrant that all information is error-free or complete.

You should verify all rates, fees, and terms with the relevant lender before making a decision.

You are responsible for:

• Providing accurate and complete information
• Assessing whether refinancing is suitable for your circumstances
• Reading and understanding all loan documentation before signing
• Seeking independent financial, legal, and tax advice as appropriate
• Meeting all loan obligations if you proceed with refinancing

To the maximum extent permitted by law, we exclude all liability for any loss or damage arising from your use of the refinance savings estimator or reliance on the information provided. This includes but is not limited to direct, indirect, consequential, or incidental loss or damage.

[Company Name] is a credit representative (Credit Representative Number: XXXXXX) of [Licensee Name] (Australian Credit License: XXXXXX). We are required to comply with the National Consumer Credit Protection Act 2009 and other relevant laws.