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Refinancing in 30 seconds

Compare APRs and pick the cheapest payment

Enter the outstanding balance and APRs of three offers (including your current loan). The calculator instantly shows payment gaps, total cost and savings – perfect before meeting a bank or broker.

Have insurance and add-on requirements ready – banks often tie lower APRs to bundled products. The results remind you to include those premiums before committing.

Lowest payment
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Provide the balance and three APR values to reveal the payment spread.

Lowest total cost
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We compare lifetime cost for each refinancing scenario.

Monthly savings
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See how much the payment can drop with the best offer.

Lifetime savings
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Discover the gap in total cost across offers.

How to use the calculator

A simple three-step process: enter the loan balance, choose the term and add APRs for the current loan plus two refinancing offers. We translate APR into an effective monthly rate to estimate payments and total cost.

  1. Gather the remaining balance and years left on the mortgage.
  2. Note the APR from disclosure documents for the current loan and new offers.
  3. Include mandatory insurance – enter APR after adding premiums and fees.

Lightning mode focuses on a quick comparison of payments and total cost across three APR inputs. Export the results to build a negotiation sheet or share with an advisor.

⚡ Lightning refinancing comparison

22 years remaining

Calculator results

Enter the balance, term and three APR values to generate the comparison.

We benchmark your current loan against two refinancing offers to highlight the cheapest option.

Why compare APR?

APR bundles all credit costs – nominal interest, commissions, insurance and extras. Looking only at rates can hide expensive premiums or premium accounts. We therefore rely on APR and convert it to a monthly payment.

If the bank requires life, accident or property insurance, ask for monthly premiums. Add them to avoid surprises after signing the contract.

What to do after the quick check?

  • Negotiate insurance: ask whether you can move an existing policy or bring your own – it often cuts APR more than the margin itself.
  • Verify upfront costs: a lower payment can still cost more when commissions and notary fees are high. Save the result and compare it during talks with your advisor.
  • Track WIBOR/WIRON: base rate changes move future APRs – rerun the analysis whenever banks update their tables.

Ready for deeper analysis?

Export the snapshot and store it in a spreadsheet to compare offers later. Add notary, commission and land register fees to see the full profitability picture.

Need extra detail? Use the full APR calculator to monitor how insurance or commission negotiations impact the real cost.