If it has been a few years since you reviewed your loan, you may be paying more than you need to. We review your current home loan against the wider market and tell you honestly whether refinancing is worth it for you, including the costs of switching.
Sometimes refinancing saves real money. Sometimes staying put is the smarter call once switching costs are counted. We will give you a straight answer either way.
A sharper interest rate, consolidating debts, accessing equity for renovations or an investment, or moving to a loan with features that suit you better, such as an offset account or flexible repayments.
If refinancing makes sense, we handle the application and coordinate with both lenders to make the change as smooth as possible.
Is refinancing worth the hassle?
It can be, if the savings outweigh the switching costs over time. We do the maths with you so the decision is clear.
What are the costs of refinancing?
There can be discharge fees, application fees and government charges. We factor these in before recommending anything.
Will refinancing affect my credit?
A new application involves a credit enquiry. We help you apply only where you have a genuine prospect of approval, rather than scattering applications.