Mortgage refix calculator
Your fixed rate is ending? See how your monthly payment changes — and whether refinancing is worth it.
- Free, no sign-up
- See the payment jump
- Refinancing savings
Payment now
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Payment after refix
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Monthly payment change
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Is refinancing worth it?
Enter a rate another bank offers and see how much you'd save versus your bank's new rate.
This calculator ignores fees. The mortgage calculator in Assetli lets you add refinancing fees and work out whether to invest the savings or make an extra payment.
Why the end of fixation matters
When your fixed period ends, the bank re-prices your loan at current rates. Many loans fixed at 2–3% now reset to far higher rates, so the payment can jump sharply. It's the one moment you can switch banks without penalty — so it pays to compare.
Plan the refix properly in Assetli
The calculator shows the jump. The full mortgage calculator helps you decide — for free.
Free forever · 30-day Premium · no card
How it works
Three steps
Enter your loan
Remaining balance and years left.
Old and new rate
Your ending rate and the bank's new offer.
See the jump
The payment increase and refinancing savings.
Frequently asked questions
What is a mortgage refix?
When your fixed-rate period ends, the bank sets a new rate for the next period (a 'refix'). If rates have risen since you fixed, your monthly payment goes up.
Can I switch banks at the end of fixation?
Yes — the end of the fixed period is when you can repay or refinance without an early-repayment penalty. Banks actively compete for these clients, so compare offers.
How is the payment calculated?
With the annuity formula on the remaining balance and remaining term, at each rate. The difference between the two payments is your increase.
Is the calculator free?
Yes, completely free and it runs in your browser without signing up. Nothing you enter is sent anywhere.