A · Current refinance entry
Existing landing page and comparison questionnaire. Retain its normal broker and support routes.
What could a lower rate change?
See a repayment estimate before you decide to speak with a broker.
No name, email or phone needed for an estimate.
Start with your current loan
Example inputs shown for this static concept.
See this example result
Read-only example. The scenario rate is hypothetical, not a lender offer. No data is collected.
A useful answer, before the next step.
At an illustrative 6.00% rate, with the same balance and 25 years remaining:
Estimated monthly repayment reduction
$185 / month
About $225 ahead in year one after $2,000 in upfront switching costs.
Monthly principal-and-interest repayments. Both rates held constant. Upfront costs paid separately.
- At your current 6.50% rate
- $4,051 / mo
- At the scenario 6.00% rate
- $3,866 / mo
- Annual repayment difference
- $2,225
- Example switching costs
- $2,000
- Cash-flow break-even
- ~11 months
The costs matter. A lower rate may not make switching worthwhile if you sell or refinance again sooner.
This is a repayment scenario, not financial advice, a product comparison, an interest-saving estimate or credit approval. It excludes offset/redraw, extra repayments and ongoing fee differences. Actual switching costs may include fixed-rate break costs and LMI. Displayed amounts are rounded; differences use unrounded values.
Check whether the scenario is available to you.
A broker can review rates, fees, features and eligibility, and check whether switching makes sense for your circumstances.
Preview the optional broker handoffKeep the answer, even if you stop here.
You can use the estimate to consider a rate discussion with your current lender. The proposed tool leaves the result visible.
What to check before switchingCarry the context into the conversation.
The customer chooses whether to share the scenario. The broker receives the inputs, assumptions and goal, then checks them.
- A homeowner checks their rate.
They want to know whether the potential benefit justifies spending time on a refinance.
- The current entry asks questions.
The inspected route asks ten sets of questions before a first-name request. No personalised result appears before it.
- The value of continuing is uncertain.
Our hypothesis: some suitable visitors leave before understanding the possible benefit. This is not yet measured.
- The alternative shows a scenario.
Loan balance, rate and remaining term produce an estimate before identity or contact details.
- The costs change the decision.
The example's $185 monthly difference becomes only $225 in first-year cash-flow benefit after upfront costs.
- The broker starts with context.
With consent, the scenario enters the customer record as unverified information. The broker reviews and corrects it.
Handoff concept only. A production journey would collect contact details with a clear purpose and consent after this choice. This mock-up has no contact form or backend.
Test whether earlier value produces better conversations.
Borrow Angus's fast learning loop. Use random assignment and real outcomes to judge the result.
B · Calculator-first entry
Repayment scenario and costs before optional contact. Preserve the surrounding page and acquisition mix.
No experiment has run. No conversion uplift or business result is claimed. Angus's referenced results were sample data, and a three-day review is not a sufficient stopping rule by itself.
The opportunity is earlier value, with existing tools as a starting point.
Lendi already provides an ungated repayment calculator. The proposed experiment brings a useful comparison into the refinance entry.
Actual public refinance page, captured 26/10/2026. This is the proposed control surface, not a reconstructed design.
What we observed
Dedicated loan pages, calculators, an article library and internal links into comparison. The tested questionnaire reached a name request before a personalised result.
What remains a hypothesis
We do not know Lendi's drop-off, organic rankings, conversion rates or why visitors leave. The walkthrough stopped at the name request, before matches.
Search Console, conversion cohorts and borrower research would determine priority and the experiment's size.