Still on the rate you signed years ago?
Lenders reserve their sharpest rates for new customers. A quick loan health check shows what you’re really paying, what you could be paying, and whether switching is worth it. Ours is free.
Even half a percent off a $500,000 loan can save serious money every year. We’ll show you the exact figure.
Four reasons locals refinance with us.
It’s rarely just about the rate. Here’s what a refinance can actually do for you.
Pay less interest
We compare your current rate against 90+ lenders. If there’s a better deal out there, we’ll find it and handle the whole switch.
Get features that fit
Offset accounts, redraw, splitting fixed and variable. The right structure can save more than the rate itself.
Unlock your equity
Renovating, investing or consolidating? Refinancing can release the value you’ve built up in your home.
Roll debts into one
Combining credit cards and personal loans into your mortgage can cut your monthly outgoings dramatically. We’ll tell you when it makes sense, and when it doesn’t.
A refinance with us looks like this.
Loan health check
Send us a recent statement and we’ll review your rate, fees and features against the wider market. It takes minutes.
See the savings
We’ll show you a shortlist of better options with all switching costs included, so the comparison is honest.
We handle the switch
Paperwork, discharge forms, the lot. Most refinances settle within a few weeks and you barely lift a pen.
We keep watching
Rates move. We keep reviewing your loan so you’re never the customer paying the loyalty tax again.
What locals say on Google.
Refinancing questions we hear every week.
Is refinancing worth the hassle?+
If your loan is more than a couple of years old, it’s worth checking. Our review is free and takes minutes. If staying put is your best option, we’ll say so.
What does it cost to switch?+
Typically a few hundred dollars in discharge and registration fees. Some fixed loans carry break costs. We always include every cost in the comparison before you decide.
Will refinancing hurt my credit score?+
A single application has minimal impact. What hurts is applying scattergun with multiple lenders, which is exactly what using a broker avoids.
Can I refinance to renovate?+
Often, yes. If your home has grown in value you may be able to release equity to fund the renovation at home-loan rates rather than personal-loan rates.
Wondering what you’d save? Let’s find out.
A free loan health check, no obligation. Worst case, you learn your loan is already great. Best case, you save thousands.
Or skip all of this and call James directly on 0405 069 441.