ATO debt? Start with the cashflow.
Compare an ATO payment plan with an indicative refinance scenario — before you decide what to explore with a broker.
Can I Refi? is our online calculator for property owners with an existing home loan and ATO tax debt, including self-employed Australians.
Open Can I Refi? calculator →Opens our separate web app. Estimates only, not a quote or lender approval. No credit application is made through the calculator.
Your numbers. Adjustable assumptions.
Start with three numbers
Enter your property value, existing home-loan balance and tax debt owing.
Set the scenario
Adjust the ATO interest rate and payment-plan length. Choose a credit profile and income-document option, then review the refinance interest rate, risk fee, tax-debt repayment term and any other refinance costs.
Compare the cashflow
Review estimated repayments, total amounts paid and the equity check. Look at the tax-debt split alongside the existing home-loan repayments — not just one monthly figure.
A lower monthly figure is not the whole story.
Spreading repayments over longer may change your cashflow, but it can increase total interest and leave you repaying the debt for longer.
Refinancing the ATO balance moves that debt onto your property. Your home or other security property may be at risk if repayments are not met.
What the calculator cannot decide
- Whether a lender will approve your application. Equity, income, conduct, documents and lender criteria all matter.
- Your final rate, fees or loan structure. These depend on an assessment of your circumstances.
- Your tax position. We make no tax-deductibility assumption here; speak with your accountant about any tax treatment shown in the app.
General information only, not credit, financial or tax advice. All lending is subject to lender assessment and approval. The calculator is not affiliated with or endorsed by the ATO.
Run the numbers, then talk it through.
Use the calculator to explore a scenario. If you would like help understanding the options, our team can look at your full position.
Open Can I Refi? →