FixOrFloat: Mortgage Optimiser

Is your fixed rate costing you thousands more? Run the math on breaking vs. holding. Factor in Offset balances, Break fee and RBA forecasts instantly.

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.