Lower repayments
Even a small rate reduction can add up to thousands each year. We compare your current loan against the market, including discharge and set-up costs, so you can see the real net saving.
Refinancing
Is your loan still working as hard as you are?
Lenders often save their sharpest rates for new customers. If your loan is more than two years old, there is a good chance you are paying more than you need to. We run the numbers honestly. If staying put is the better option, we will tell you.
What you need to know
Refinancing, explained.
Debt consolidation
Rolling high-interest debt into your home loan can lower your monthly outgoings. It can also stretch short-term debt over 30 years. We help you structure it so you save interest rather than simply delay it.
Accessing equity
The equity you have built can fund renovations, a deposit on an investment property or other goals. We help you work out how much is usable and how to structure it cleanly.
Fixed vs variable
Refinancing is a natural time to rethink your rate type. We walk through the trade-offs and the break costs if you are currently fixed.
Common questions
Straight answers on this topic
Book a discovery call
Let’s talk straight about your next move.
Book a free, no-obligation discovery call with Andrew. We’ll look at where you are now, where you want to be, and the clearest way to get there. In person on the Sunshine Coast, or by phone and video anywhere in Australia.