Finance

Kalkulačka refinancování hypotéky

Remortgage Calculator

Outstanding Balance ($)

Current Rate (%)

New Rate (%)

Remaining Term (years)

Remortgage Fees ($)

What is Remortgage Calculator?

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Remortgaging switches your mortgage to a better rate. The best time is when your fixed period ends or your LTV has dropped to a lower rate tier. Vždy si nejprve zkontrolujte poplatky za předčasné splacení.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

Vzorec

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f(x)

Nová měsíční platba = zbývající zůstatek × měsíční sazba / (1 − (1 + měsíční sazba)^-Zbývající měsíce)

Variable Legend

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Symbol	Jméno	Jednotka	Popis
Balance	Remaining mortgage balance	Currency	—
Rate	New mortgage interest rate	Annual percentage	—
Term	New loan term	Years	—

How to Remortgage Calculator

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1Monthly saving = Old payment − New payment
2Breakeven = Total fees / Monthly saving
3Lower LTV → better rate → larger saving
4Check ERC before switching

Worked Examples

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Example 1

Given:£180k balance, from 6.5% to 4.5% over 20yr

Výsledek:Monthly saving ~£200; £1,500 fees break even in 7.5 months

Real-World Applications

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Interest rate decision point

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Monthly payment reduction

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Loan term acceleration

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Credit pull justification

Remortgage Steps

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Step	Action
1	Check early repayment charge
2	Calculate saving at new rate
3	Add up all fees
4	Calculate breakeven period
5	Apply 3–6 months before current deal ends

Frequently Asked Questions

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When should I remortgage?

If new rate is 0.5%+ lower AND break-even point (closing costs ÷ monthly savings) < years you plan to stay. Refinance fixed-rate when rates drop; ARM expiration mandatory check.

What are refinancing costs?

Appraisal ($300–600), underwriting ($400–900), title search ($150–300), points (0–2%), closing costs total 2–5% of loan. Need break-even within reasonable timeframe.

Can I remortgage if home value dropped?

Difficult if LTV > 80%. If you have equity, yes. If underwater, no (lender won't refinance). Government programs (HARP in US) sometimes help; check eligibility.

Regional Guides

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US▾

No prepayment penalty standard (but check). Can refinance federally backed loans via streamline process (faster, lower doc). Private loans vary.

UK▾

Typical 0.5–1% exit penalty (early repayment clause). Check fixed-rate expiry; automatic switch to SVR (expensive). Remortgage 90 days before expiry for best rates.

References

›Remortgage guide — MoneySavingExpert

Pouze pro informační účely. Tento nástroj nepředstavuje finanční poradenství. Před investičními nebo finančními rozhodnutími se poraďte s kvalifikovaným finančním poradcem.

Deep Dive

Read the full guide on how to use this calculator effectively

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Formula-verified for precision

Reviewed October 2026

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