Geelong’s Refinance Experts.

No. We will never make enquiries on your credit history without your express consent.

About 20 minutes, by phone or video. You’re also welcome at our Moorabool Street office if you’d rather sit down in person.

No. You’ll leave knowing what rate you could be on and what switching would cost. What you do with that is entirely up to you.

No, you can move during a fixed term, though your lender charges a break cost to let you out early. If you’re near the end, start a few weeks out. The new loan is then ready the day your fixed rate expires, rather than you spending time on the revert rate.

A recent home loan statement and a rough idea of what you earn and what you owe. Nothing needs to be exact.

It depends on your rate, your balance and how many years are left. Lenders often price new customers below existing ones, so the first thing we check is what your own lender is offering today.

Not always. Below 20% you’ll usually pay lenders mortgage insurance again, and it can’t be transferred from your old loan. That one cost often decides whether switching is worth it.

Not always. A lower rate brings them down, and extending your loan term brings them down further, but you pay more interest over the life of the loan. We’ll show you both numbers.

Yes. Releasing equity for renovations, a car or an investment deposit is handled in the same application, and the lender assesses it on your current income and debts.

Yes, a refinance is a new loan application. Some lenders run a shorter check where you’re moving a like for like loan and your repayment history is clean.

Only if you choose a 30 year term. You can keep the years you have left, which stops you paying more interest overall.

A discharge fee to your current lender, a government fee to register the new mortgage and sometimes an application or valuation fee with the new lender. We’ll total your exact costs before you decide anything.

It’s worked out from what rates have done since you fixed, so it can be close to nothing or it can run into thousands. Your lender will give you the figure on request. Get it before anything else, because it decides whether moving early stacks up.

Two to six weeks from application to settlement. The slowest part is usually your current lender releasing the loan, not the new one approving it.

Only if the new loan doesn’t have them, and most do. Money sitting in redraw with your old lender is paid out at settlement, so tell us about it early.

Yes, though from fewer lenders than at the 2023 peak, when more than 30 offered one. None of the big four still pay a cashback to refinance, so the offers now sit with smaller banks and mutuals. We’ll tell you whether a cashback or a lower rate leaves you better off over the years you’ll hold the loan.

Your bank can only offer you its own loans. We compare 40+ lenders, including the banks, and the spread between them on rate and borrowing power can be worth tens of thousands over the life of a loan.

The lender pays us a commission when your loan settles. You pay the same as you would going to that lender directly.

No. Unlike the banks, brokers are legally bound by a Best Interests Duty, which means we’re required to put your interests first. Our 1,503+ five star reviews are a better measure than anything we could say here.

We’ll do that for you. We ask your lender to match what you’d be offered elsewhere, and if they match it you get the lower rate without changing lenders. If they don’t, you already know what moving is worth.

Once a year, and whenever a fixed term ends. We review our clients’ loans without being asked.

One winner is drawn for every 20 refinance approvals, and you’re entered when your loan settles with us. Victorian residents only, full terms and conditions apply.