Personal circumstances often change and so will the interest rate you’re paying. So if you’re a person who hasn’t looked at your Home Loan for a while it might pay for a health check. Remember, complacency can be costly and refinancing won’t cost you the world.

The best part is that it’s quicker, easier and cheaper than you may think. You may even have some more equity that we can use as a bargaining chip when negotiating your rates with our lenders.


Free property valuations

This is the first step in determining if refinancing will be a cost effective solution.

Interest rate negotiation

Based on your situation we can talk to our lenders to make sure you get the best possible deal.



With over 40 lenders to choose from we can present you with the right options.

Portfolio restructuring

The correct structure of your portfolio may be the difference in saving thousands.

Periodic Reviews

It is important that our clients remained well priced in the market all the time so we make it our responsibility to do period reviews.

We know you have lots of questions. So, we’ve provided answers to the most common ones here.

You could save thousands of dollars by spending a few hundred. Over time the home loan you originally signed up for may not be as cheap as what’s currently available and you may have built up some additional equity that will give you access to more options. We suggest a quick home product check to see where you are placed and if we think you can do better we will find you the right option.

From a customer’s perspective, not that much. It begins with an assessment of your financial situation, a review of your current loan, a valuation of your existing property and the submission of some forms. We will manage the process to make this as simple as possible.

This will vary depending on the lender and the type of loan you have but it is reasonable to expect a $700 charge. This will be to cover settlement and registration fees while application and valuation fees are typically waived by the new lender.

To use industry jargon this is Debt Consolidation and yes this is something we can help you with. Some lenders will have restrictions on what you can consolidate but it can be a great way to simplify repayments and potentially benefit from lower interest rates associated with your home loan.

Variable interest rates move, normally relative to changes in official interest rates set by the Reserve Bank of Australia. A variable rate loan is beneficial when rates are on the decline. Fixed interest rates don’t move. You can fix your rate for a particular period of time, normally between 1 and 5 years. But it’s most beneficial when rates are on the rise.