What would refinancing save you?
Four quick questions, benchmarked against rates from 5.94% p.a.
Your loan today
Your rate is on your statement or in your banking app. Close enough is fine.
Refinancing done properly looks at the whole loan.
We negotiate before you switch
First move: a pricing request to your current lender. If they match the market, you save without a single form. If they won't, we'll have three better options ready.
Restructure while you're at it
Consolidate expensive debts, add an offset, split fixed and variable, or unlock equity for renovations or your next purchase, all in the same move.
Switching costs, mapped upfront
Discharge fees, government fees, cashback offers, we lay out the true net saving before you commit, so you never switch for a deal that doesn't stack up.
A better deal in three steps, often without moving.
A free loan review
We benchmark your current rate, structure and fees against the market. You'll know within one call whether you're overpaying, and by how much.
Negotiate, or switch
We push your current lender to match the market first. If they won't move, you'll have your three best alternatives, net of all switching costs, in 24 hours.
We handle the move
Discharge forms, settlement, the lot, handled for you. Then Rate Watch™ re-checks your new deal every year, so you never fall behind the market again.
Hear from our happy homeowners.
What people ask before they refinance.
What does refinancing actually cost?
Typically a few hundred dollars in discharge and government fees, often offset entirely by lender cashback offers. We map every cost against the saving before you commit, so the decision is made on the net number, not the headline rate.
How long does it take?
If your current lender matches our pricing request, days. A full switch typically takes two to four weeks depending on the lenders involved, and we handle every step of it.
I'm on a fixed rate, can I still refinance?
Yes, but breaking a fixed term can attract break costs. We get the exact figure from your lender and weigh it against the saving, sometimes it's worth it, sometimes the smart move is to line everything up for the day your fixed term ends.
Will refinancing hurt my credit score?
A single, well-placed application has minimal impact. What hurts is scattergun applications to multiple lenders, which is exactly what we prevent by checking policy fit before anything is submitted.
When did your bank last call you with a better rate?
Exactly. A free 15-minute review tells you what you should be paying, and we do the negotiating.