Could You Be Paying Less?

Many Australians are paying more than they need to on their home loan. Rates change, your circumstances change, and what was a good deal three years ago may not be competitive today. We review your current loan and compare it against the market to see if you could save.

What We Offer

Rate Health Check

We compare your current rate against what is available in the market. Many borrowers are surprised by how much they could save.

Cash-Out Options

Need to access equity for renovations, investments, or other purposes? We can help structure a refinance that unlocks your equity.

Debt Consolidation

Combine multiple debts into your home loan for a single, lower repayment. We will assess whether this makes financial sense for you.

Fixed Rate Expiry

Is your fixed rate about to expire? We proactively review your options before rollover to ensure you get the best available rate.

Our Process

1

Loan review — we analyse your current loan terms and rate

2

Market comparison — we check what is available across 70+ lenders

3

Savings calculation — we show you the potential savings in clear terms

4

Recommendation — we present the best options if refinancing makes sense

5

Application — we handle the switch process end-to-end

6

Settlement — your new loan is set up with minimal disruption

Frequently Asked Questions

When should I consider refinancing?

Consider refinancing if your fixed rate is expiring, rates have dropped since you took out your loan, your financial situation has changed, or you want to access equity. A general rule is if you can save 0.5% or more on your rate, it is worth investigating.

Are there costs involved in refinancing?

There can be discharge fees from your current lender and government fees. Many lenders offer cashback incentives that can offset these costs. We will factor all costs into our recommendation so you can see the true savings.

Will refinancing affect my credit score?

A credit enquiry is made when you apply, which may have a small temporary impact. However, reducing your repayments and managing your debt better can improve your credit profile over time.

Ready to Explore Your Options?

Book a free 30-minute consultation with Timothy.

Book a Free Consultation