CSB Mortgages

Refinance & Break Cost Calculator

Compare your current loan against a new lender's offer — including break costs, fees, and cashback — to see whether switching saves you money and how long the payback period is. Break cost figures are estimates only; your bank calculates the exact amount.

Loan Comparison

Your Current Loan

$
%
years
months

Months left before your fixed rate expires

Common Switching Costs

Break cost is set by your current bank — call them for the exact figure. Legal fees apply once regardless of which lender you choose. Discharge fees vary per lender, so enter them in each offer below.
$

Confirm with your current lender

$

Typically $1,000–$2,000 in NZ

New Lender's Offers

Option 1
%
years
$

Typically $150–$350

$