FixOrFloat: Mortgage Optimiser

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.