Are you overpaying $647 per month on your mortgage?
That comes out to $7,764 per year for a household with the average Australian Home Loan! This is what the average Australian household wastes by staying with their original lender. I'll compare 35+ lenders to show you exactly what you could save — completely free.
SOURCE: Finder.com.au (Dec, 2025)
THE HARD TRUTH - Your Bank Is Betting You Won't Leave
Here's how it works: you get a competitive "honeymoon rate" to win your business. Then, 1-3 years later, you quietly roll onto a higher standard variable rate. Your repayments increase by $200, $400, even $600 per month — and your bank hopes you won't notice or won't bother switching.
This isn't an accident. It's their business model. Banks make billions in profit from customer inertia. They know most borrowers will stick with their original loan for 7-10 years, even whilst paying rates that are 0.5-1.5% higher than what's available. That's where I come in.
I compare your current loan against 35+ lenders to find out if you're overpaying.
If you are, I'll negotiate aggressively to get you a better deal. If you're not, I'll tell you to stay where you are.
Either way, you'll know the truth.
WHO SHOULD REFINANCE - You Should Refinance If...
• You've been with your lender for more than 2 years (loyalty doesn't pay in banking)
• You've never negotiated or switched since taking out your loan (you're on the expensive standard rate)
• Your property has increased in value since purchase (you can eliminate LMI or access equity)
• You have high-interest debts (credit cards, personal loans, car loans) that could be consolidated
• You want to access equity for renovations, investment, or other purposes
• Your financial situation has improved since you first borrowed (you now qualify for better rates)
• You're paying lenders mortgage insurance but now have 20%+ equity (you can refinance to remove it)
If any of these apply, book a free Mortgage Health Check. It could be the best use of an hour in your year.
WHAT I'LL FIND FOR YOU
LOWER RATES ✓
Slash Your Interest Rate Most refinance clients save 0.5-1.2% on their interest rate. On a $500,000 loan, that's $2,500-$6,000 back in your pocket every year — money you can use for renovations, holidays, investments, or simply paying down your mortgage faster.
BETTER FEATURES ✓
Get Loan Features That Actually Work Why pay for a basic loan when you could have:
• 100% offset account (every dollar reduces interest immediately)
• Unlimited extra repayments with no penalties
• Free redraw facility • Portability (take your loan to your next property)
• Split loans (combine fixed and variable for stability and flexibility)
ACCESS EQUITY ✓
Unlock Your Property's Hidden Value If your property has increased in value, you're sitting on equity you can access for:
• Renovations that increase your home's value further
• Deposit for an investment property
• Consolidating high-interest debts into your low-rate mortgage
• Emergency funds or business opportunities I'll structure it tax-efficiently and ensure you maintain a healthy loan-to-value ratio.
DEBT CONSOLIDATION ✓
One Loan. One Repayment. One Lower Rate. Stop juggling multiple debts with different due dates and sky-high interest rates:
• Credit cards at 19-22%
• Personal loans at 9-14%
• Car loans at 7-11% I can consolidate everything into your mortgage at 6-7%, saving you hundreds per month and simplifying your finances completely.
FASTER PAYOFF ✓
Cut years off your loan by refinancing to a lower rate and maintaining your current repayment amount, you'll pay off your mortgage years earlier. A 0.5% rate reduction on a $500,000 loan could save you 3-4 years of repayments.
THE PROCESS
How Refinancing Actually Works (Simpler Than You Think)
STEP 1: Free Mortgage Health Check (60 Minutes) I review your current loan, assess your financial situation, and calculate exactly how much you could save. If refinancing doesn't make sense, I'll tell you. If it does, I'll show you the numbers.
STEP 2: I Compare 35+ Lenders. Whilst you're at work, I'm comparing hundreds of loan products across major banks, regional lenders, and non-bank specialists. I'm looking for the best rate, the best features, and the best total cost over your loan term.
STEP 3: I’ll show you the 3 best recommendations with clear side-by-side comparisons: current loan vs. new options. You'll see exactly what you're getting and exactly what you're saving.
STEP 4: If I find you a better deal that you want to go with, I handle All the Paperwork (2-4 Weeks). Once you choose, I manage everything:
• Loan application and supporting documentation
• Liaising with your current lender for payout figures
• Coordinating with your new lender for approval
• Managing conveyancing and settlement
• Ensuring your old loan closes and new loan starts smoothly. You just sign a few documents and we’ll coordinate with your conveyancer for settlement.
STEP 5: You Start Saving (Immediately). Your new lower rate kicks in, your better features activate, and you start keeping more of your own money every month.
My Refinancing Promise
✓ I'll tell you the truth — if staying with your current lender makes sense, I'll say so
✓ I'll show you the numbers — exact savings, exact costs, exact break-even timeline
✓ I'll do the work — you won't spend more than 2 hours total on this process
✓ I'll get you approved — I know exactly which lenders will say yes to your situation
✓ I'll stay available — even after settlement, I'm here for rate reviews and ongoing advice No obligation. No pressure. No hidden fees. If I can't save you money, you've lost nothing but 60 minutes of your time.
"But What About..."
Q: "I don't want to restart my 30-year loan term"
A: You don't have to. I can refinance you with your remaining loan term (if you have 22 years left, your new loan is 22 years). Or, if your new rate is lower, I can structure it so you keep the same repayment amount and pay off your loan even faster.
Q: "I'm in a fixed-rate period with break costs"
A: Fixed-rate break costs can be substantial, but they're not always deal-breakers. I'll calculate your break cost, compare it against your potential savings, and determine if it makes sense to refinance now or wait until your fixed period ends.
Q: "Refinancing sounds like too much work"
A: For you, it's 2 short meetings and signing a few documents. I handle everything else: comparisons, applications, negotiations, paperwork, and coordination. Most clients spend less than 2 hours total on the entire process.
Q: "I don't want to leave my bank — I've been with them for years"
A: Banks don't reward loyalty. Your 10-year relationship means nothing to their pricing algorithm. Meanwhile, new customers are getting rates 0.5-1% better than yours. If you want to stay, at least let me show you what you're paying for that loyalty.