See what an introductory ("honeymoon") rate really costs once it reverts — the intro repayment, the step-up, and the total over the full term.
What this calculator estimates
An introductory rate — sometimes called a honeymoon rate — is a discount that applies for a fixed window at the start of a loan, then reverts to the lender's ongoing variable rate. The headline number is real, but it is temporary. This tool shows you both sides: the repayment while the discount runs, the repayment once it reverts, and the total cost across the full term. Enter the loan amount, the term, the intro rate and how long it lasts, then the revert rate the loan steps up to.
What actually drives the number
Two figures decide whether an introductory rate serves you or simply moves the cost later: the size of the discount and the gap between the intro and revert rates. A loan amortises on the assumption it will run for the whole term, so a short intro period barely dents the balance before the higher rate takes over. The calculator re-works the remaining balance at the revert rate and surfaces the monthly step-up — the amount your repayment jumps the month the discount ends. That step-up, not the intro rate, is what catches people out. Fees and the comparison rate matter too: a low headline rate that reverts high can cost more than a steadier alternative.
Use it as a starting point
This is a structural read, not a verdict on any one product. The right question is not "which loan has the lowest intro rate" but "which lender's revert rate, fees and flexibility fit how long I actually intend to hold this loan." That is a policy question, and it is where structure earns its keep. Book a strategy session and we will compare the real cost across lenders, not just the honeymoon.
General information only — not personal financial product or credit advice. The estimate is indicative and depends on each lender's policy, current rates and your full circumstances. AeFin is an Australian Credit Representative (CR 464548) of Finsure (ACL 384704).