A major bank
Attractive cashback offers and full-feature offsets. Good if you want everything with one provider.
Still on the rate you signed up for years ago? Let's see what the market looks like today. Free comparison, no commitment.
Most Australians refinance once every 3-4 years. If you haven't looked at your rate in a while, there's a fair chance you're paying more than you need to - and the bank knows.
We compare your current deal against 30+ lenders in a single sitting, then handle the switch for you if it stacks up. No pressure, no cost. Sometimes we tell clients to stay where they are - if your current rate is genuinely competitive, that's a conversation too.
We'll compare your current loan against today's market on one page, with the actual numbers - repayments, fees, break costs - not a glossy range.
If you've built equity, we can structure a refinance that gives you funds for a reno, deposit on an investment, or debt consolidation.
Discharge forms, title release, settlement coordination - we do it. You sign where we ask you to sign.
Once we've placed you, we check your rate every year and push back on the bank when the market moves.
Send us a recent statement. We'll tell you what you're paying and what else is out there.
Three to five real refinance options - including staying put if that's best.
We prep the new application and the discharge request with your current lender simultaneously.
New loan settles, old loan closes. We diarise a review for next year.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Attractive cashback offers and full-feature offsets. Good if you want everything with one provider.
Often the sharpest pricing on simple variable loans. Slightly less branch presence, not a problem for most.
Lean pricing, app-first experience. Best for borrowers who don't need branch access or complex products.
Richard saved us around $340 a month on our repayments by moving us off the rate our original bank had left us on. The whole refinance took about four weeks and we barely noticed.
Using equity for your first investment property.
Learn more →Refinancing with a renovation in mind.
Learn more →Restructuring for your super fund.
Learn more →There can be a discharge fee from your current lender (typically $300-$400) and government fees to register the new mortgage. Many lenders offer cashback to offset these.
As a rule of thumb, if we can get you 0.25% or more off your rate on a standard loan size, it's usually worth it. We'll do the break-even math for you.
There's a small, temporary impact from the new credit enquiry. It bounces back within a few months if you're not shopping around heavily.
Yes. If your property has grown in value, we can structure a refinance that releases equity for a reno, without requiring the money be linked to the work itself.
Breaking a fix can be expensive - sometimes thousands. We calculate the break cost up front so there are no surprises.
Typically 4-6 weeks start to finish, including the discharge from your old lender.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm