Investment Property Loan Calculator

Should I refinance?

A lower rate isn't automatically worth it — switching lenders usually comes with discharge fees, new establishment fees, and sometimes a break cost. The Refinance mode nets the monthly saving against those one-off costs to give you a break-even point: how many months until the switch has paid for itself. If that break-even point falls well inside your remaining loan term, refinancing is usually worth it; if it doesn't, the saving may be real but too slow to matter.

Why investors still choose IO

• Lower repayments free up cashflow while a property is establishing its rent, or while other renovations/purchases are being funded.
• For an investment loan, the interest is typically the deductible component — IO maximises that deductible interest each year relative to a P&I repayment on the same balance.
• It defers principal reduction, which usually costs more in total interest over the loan life — the trade-off this calculator quantifies.
• The reversion date should be a known entry in your forecast, not a surprise — mark it on your cashflow projection ahead of time.

Akweno tracks your loan structure alongside the rest of your portfolio, so reversion dates and their cashflow impact show up in your forecast automatically — not as a surprise a few years down the track. Start free.