Step-by-step mortgage refinancing
Enter your current mortgage and the new offer to instantly see the monthly change, break-even month and total net savings after accounting for every fee.
Compare multiple offers
Add up to 4 refinancing scenarios and pick the best one.
Include every cost
Add bank fees, notary charges, appraisals and bundled products.
Find the break-even
See how many months it takes before switching banks pays off.
Start with the balance, rate and fees of your existing bank.
Principal still to be repaid.
Nominal rate only, not APR.
Years left to repay the current loan.
Fixed account/insurance fees at the current bank.
Remaining commissions, insurance or origination costs.
Cards, insurance or packages required by the bank.
New offers
Add and compare up to four scenarios
You can compare up to 4 offers
Offer 1 parameters
Provide the rate, term and costs of the new mortgage.
Usually equal to the remaining balance, but you can add extra cash.
Nominal rate of the refinanced loan.
Shorten or extend the term depending on the offer.
Account fees, insurance and add-on packages.
Origination commission, notary fees and land register entry.
Life insurance, credit cards or other bundled products.
Refinancing costs
Sum every charge you must pay to move the mortgage to a new bank.
Fee according to your contract (usually max 3% of balance).
Cost of the notary deed and land register filing.
Bank-required valuation of the property.
Court and administrative fees tied to the mortgage.
Financial advisor fees or any additional charges.
Savings summary
Results refresh automatically when you update the inputs. Analyzed offer: Offer 1.
PLN 401.11
Difference in instalment plus monthly banking fees.
PLN 4,813.30
Yearly effect of a lower payment and fees after refinancing.
PLN 90,916.00
Total cost difference after including refinancing expenses.
15 months (1 year and 3 months)
When monthly savings offset the cost of switching banks.
PLN 758,915.13
PLN 667,999.13
Current mortgage vs offer Offer 1
Monthly outflow (payment + fees)
Shows the real impact on your monthly budget.
Current mortgage
PLN 3,151.73
New offer
PLN 2,750.62
Total interest
Interest difference from a lower rate or a changed term.
Current mortgage
PLN 325,615.13
New offer
PLN 234,149.13
Fees and commissions
One-off and monthly costs, including refinancing expenses.
Current mortgage
PLN 13,300.00
New offer
PLN 13,850.00
Full loan cost
Principal + interest + all fees across both loans.
Current mortgage
PLN 758,915.13
New offer
PLN 667,999.13
What next?
Key steps once the numbers show refinancing makes sense.
1. Request a binding offer
Calculator inputs use nominal rates. Review APR and conditions in the bank's official offer.
2. Negotiate extra costs
Commissions, appraisals and insurance are often negotiable or discounted—address them when talking to the bank.
3. Plan the legal paperwork
Schedule the notary appointment and land register entry ahead of time.