Mortgage Top-Up vs Separate Loan Total-Cost Calculator
Compare a lower-rate mortgage top-up with a shorter standalone loan so the repayment horizon does not disappear from the decision.
Your assumptions
Comparison
Enter your figures and calculate. Results are estimates, not a quote or credit decision.
How to use the result
The matched-term mortgage result is important: it shows whether the lower mortgage rate is genuinely cheaper when repaid over the same period.
Security and tax treatment are outside this calculator.
Read the calculation methodology and assumptions.
If the numbers justify a closer look, send the transaction details for an initial broker review.
Compare my funding structureGeneral information only. Calculator results are estimates and do not account for every fee, tax outcome, contract feature or lender rule. Finance approval and pricing are subject to lender assessment.