Who it may suit
People exploring refinancing and wanting a clearer starting point for a qualified conversation.
Refinancing
When your plans change, your finance may need to change too.
A considered review begins with your existing loan, your next chapter and the full cost of changing.
Start a conversation
A considered perspective. A clearer next step.THE DECISION, IN CONTEXT
Start with the right questions.
A considered review begins with your existing loan, your next chapter and the full cost of changing. This page illustrates Oakmont’s approach; it does not provide personal advice or arrange finance.
Common scenarios
Why review a loan, Common refinancing reasons, Loan structure. Each situation needs its own assessment.
How Oakmont helps
Our fictional approach makes the purpose, assumptions and next questions easier to see.
EXPLORE THE MOVING PARTS
A considered view.
Not just a number.
Why review a loan
A change in plans, property or household commitments can prompt a review. Reviewing a loan does not mean it should be replaced.
Common refinancing reasons
People may explore a different structure, changed features or a new property plan. The reason for reviewing should guide the questions.
Loan structure
The amount, repayment type, features and term work together. A useful comparison makes each of these assumptions visible.
Equity
The difference between a property value and debt is not the same as cash available to borrow. Valuations and lending assessments can differ.
Repayment considerations
Look at both the regular payment and the full remaining cost. Extending a term can change that balance significantly.
Fees and costs
Ask for a complete written list of applicable costs, including switching and any break costs. Our examples do not quote actual fees.
A CLEAR PATH
One conversation.
One step at a time.
- 01
Understand
Start with your goal.
- 02
Compare
Explore the questions.
- 03
Structure
See the whole picture.
- 04
Apply
Prepare the next step.
- 05
Settle
Understand the details.
- 06
Review
Keep plans connected.
CURRENT LOAN. NEW QUESTIONS.
Compare two scenarios.
02 / ILLUSTRATIVE ESTIMATE
Illustrative scenario only. Not a recommendation or offer. Fees are paid upfront, not added to the new loan.
This calculator provides illustrative estimates only. Results are not a quote, approval or financial advice. Actual rates, fees and repayments may differ.
How this estimate works
Constant annual rate divided by 12 monthly periods. Payments occur at the end of each period. No daily interest, rate changes, offset, redraw, taxes, ongoing fees, insurance or balloon payment. Calculations use unrounded values; displays are rounded. Total cost compares all remaining payments in each scenario, plus the entered upfront fee. Different terms are not like-for-like. A lower repayment can still mean a higher total cost.
USEFUL QUESTIONS
Before the next step.
Is a lower repayment always a lower-cost loan?
No. A longer term can reduce a regular payment while increasing the total repaid. Compare the term, interest, fees and other conditions, not the repayment alone.
What costs should I ask about when reviewing a loan?
Ask about discharge, application, valuation, ongoing and any break costs that may apply. Our comparison tool only includes the one-off fee you enter. It does not estimate actual lender charges.
Will my enquiry be sent to anyone?
No. The forms validate and prepare a demo summary in your browser only. Nothing is submitted, emailed or saved to local storage. Use fictional details and never enter sensitive information.
Are the advisers and client stories real?
No. All profiles, testimonials and case studies are fictional. Stock photographs are illustrative and do not depict actual Oakmont staff or customers.
THE WIDER PICTURE
Connected conversations.
Personal
Home Loans
Build a clearer picture of the purchase, the repayments and the structure behind them.
Explore PersonalInvestment Property
Understand the lending questions around a property purchase without losing sight of the broader commitments.
Explore PersonalFirst Home Buyers
Take the process one question at a time, from your initial plans to the steps before settlement.
ExploreTHE NEXT STEP IS A CONVERSATION
A clearer financial decision starts with a conversation.
A SPACE TO ASK QUESTIONS
Finance consultation
30 minutes
Personal · Business · Property
Illustrative service • no booking is made