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Mortgage Refinancing Calculator
Mortgage refinancing involves repaying your current loan with a new one from another bank—usually on better terms. This may mean a lower interest rate, a shorter repayment period, a lower installment, or additional cash for any purpose.
When is it worth transferring your mortgage to another bank?
When the loan interest rate is higher than the current bank offers
When you want to lower your installment and improve your household budget
When you can shorten the loan period
When you want to borrow extra money for renovation, paying off other debts, etc.
When your financial situation has improved and you can negotiate better terms
How does the refinance calculator work?
Simply provide some basic information about your current loan and the planned terms of your new loan. The calculator will automatically compare installments and total costs, and show you how much you can earn. The results are indicative and serve as a preliminary analysis.
How to use the loan refinancing calculator?
Step by step:
Current interest rate
Enter your current mortgage interest rate. You can enter it manually or use the slider.New interest rate
Enter the interest rate offered by another bank with which you are considering refinancing.Remaining loan period
Select how many years you have left to repay your current loan.New loan period
You can choose how many years you want to spread out your new loan after refinancing. Typically, it will be the same or longer.Additional loan amount (optional)
If you would like to withdraw cash for any purpose as part of your refinancing, enter its value here.Refinancing costs
Enter the estimated cost of transferring the loan (e.g. commissions, notary fees, cost of entry in the land and mortgage register, etc.).Click "Calculate Benefits"
After pressing the button, the page will automatically scroll to the results section.
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Is refinancing a mortgage worth it?
Mortgage refinancing is a solution that will gain popularity in 2025, especially in Wrocław and Lower Silesia. It allows you to transfer your loan to another bank and achieve real savings. The most common reasons customers choose this step are:
lower interest rate (margin and WIBOR/WIRON),
the possibility of reducing the monthly installment,
shortening the repayment period,
additional cash for renovation, repayment of other liabilities or any other purpose.
An example from Wrocław – how much can you gain?
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Let's assume that a client from Wrocław is repaying a mortgage loan of PLN 400,000 with an interest rate of 7.20% and has 22 years left on the contract.
After transferring the loan to a bank with an interest rate of 5.90% , the installment drops from PLN 3,023 to PLN 2,714 .
This means savings of approximately PLN 309 per month and over PLN 81,671 over 22 years of repayment.
Refinancing costs – what should you remember?
Transferring a loan involves certain fees. The most common are:
commission at the new bank (often 0–2%),
court and notary fees (entry into the land and mortgage register, deletion of an old mortgage),
possible real estate valuation,
In practice, these costs are usually recouped after a few to a dozen or so months of lower installments.
Refinancing in Wrocław and online
As a mortgage expert based in Wrocław , I've been helping clients analyze offers and verify whether refinancing is actually worthwhile since 2008. I compare offers from local and remote banks, prepare simulations, and assist with formalities—from the application to the land and mortgage register entry.
1 hr