---
title: "Does it pay to refinance your mortgage?"
description: "Calculate refinancing your mortgage – to a lower or higher rate – after tax, with redemption, costs, break-even and net gain over time."
url: https://realkredit.ai/beregn/omlaegning?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Does it pay to refinance your mortgage?

Compare your current loan with a new loan after tax. We calculate the redemption, the new loan's costs and the net gain month by month.

The calculator is interactive on the HTML page. All inputs are kept in the address, so a result can be shared.

## How we calculate
- A fixed-rate loan is repaid at 100 when the price is above 100, otherwise by buying back bonds with a premium and commission.
- The new loan must cover the redemption, and fees are added to the loan. Registration duty is only paid on the amount above the old mortgage.
- Net gain = the difference in outstanding debt + the accumulated saving after tax.

Full method: https://realkredit.ai/metode?lang=en

## Questions for your bank meeting
- What does the refinancing cost in total, and when will I have earned it back after tax?
- What is the total cost over 10 years including all fees – both the institution's and the bank's?
- Which price is the offer based on, and what does a fixed-price agreement cost?
- Which fees does the bank charge for arranging the loan?
- Are there discounts – such as KundeKroner – and how long do they apply?
- Can I move the loan to another institution later – and what does it cost?

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> realkredit.ai provides general information and calculations – not personal, legal or financial advice, and nothing here is legally binding. The figures are indicative and based on your own numbers and the prices we have verified. Always check your loan offer, and talk to your bank, an independent adviser or a lawyer before you decide.

HTML version: https://realkredit.ai/beregn/omlaegning?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com