Lightning: compare refinancing offers live

Input both mortgage offers during a call and instantly see instalment differences, total cost savings and how long it takes to recover fees.

Designed for quick conversations

  • ★ Live adjustments – tweak rates and margins without reloading the page.
  • ★ Savings chart – visualise cumulative benefit across the repayment horizon.
  • ★ PDF export – share a polished summary with clients or partners.
  • ★ Stress toggle – quickly test higher rate scenarios to confirm the margin of safety.

Example scenarios

New instalment

-410 PLN

Immediate comparison highlights the monthly benefit of switching offers.

Cost recovery

13 months

The tool flags when accumulated savings surpass the 4.2k PLN switching fee.

Rate hike test

+1 pp

Even under higher rates the new instalment remains 180 PLN lower than the original.

Run the lightning comparison Open the full refinancing model