The Mortgage Decision Engine for Australian Investors.
Stop guessing. FixOrFloat quantifies the opportunity cost of your Australian mortgage structure in seconds. Most calculators sell loans; this one optimizes them.
KEY FEATURES:
Offset Shield: Visualise the true cash value of your offset account vs. a fixed rate.
Break Analysis: Instantly calculate if breaking your contract yields a net profit, factoring in estimated ERA costs.
Loyalty Alert: Quantify the "Lazy Penalty" you pay compared to market-leading rates.
Rate Modelling: Stress-test your position against future RBA rate shifts.
PRIVACY FIRST 100% on-device processing. We never store your loan balance, rates, or offset details.
DISCLAIMER: General calculation scenarios only. Not financial advice or an offer of credit. Consult a qualified broker before refinancing.