State vs FixOrFloat

About this app​ Your State insurance anytime, anywhere.​ With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID.​ ​ Make a claim online​ Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way.​ ​ Easily manage your payments​ Make a payment for your policy straight from the app.​ ​ All your policies in one place​ View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post.​ ​ Get a quote ​ Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.

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.