Refinancing

If your rate has quietly drifted, we price your loan against the market and handle the switch from start to finish.

Lenders reserve their sharpest pricing for new customers. If you have not reviewed your loan in a couple of years, there is a good chance you are paying the loyalty penalty without ever being told.

We price your current loan against the panel and give you a straight answer: either your rate is competitive and you should stay put, or it is not and here is exactly what moving would save after every cost is counted. We only recommend the switch when the maths survives the fees.

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Estimate your repayments

Loan amount$650,000

Interest rate6.10% p.a.

Loan term30 years

Your estimated repayment

$3,939/month

Total interest

$768,028

Total amount

$1,418,028

Estimate only, based on a principal and interest loan with the rate held constant for the full term. It excludes fees, lenders mortgage insurance and rate changes, and it is not an offer of credit.

What we look at

The real saving, after costsDischarge fees, application fees and any new lenders mortgage insurance come off the top before we call it a saving.

Cashback offers, read properlyA cashback attached to a higher ongoing rate is a loss in year two. We compare on total cost over the years you plan to hold.

Releasing equityRenovations, a deposit for the next property or consolidating expensive debt. We size the release so servicing still works.

Repricing without movingOften the quickest win is a repricing request to your current lender. If that gets you there, we will tell you and save you the paperwork.