Stop paying more than you should on your home loan.

It depends on your current rate, loan balance and lender. Most of our refinance clients save $200–$500/month, sometimes more. We'll give you a real number after looking at your current loan — no guesses, no estimates.

A refinance application will leave a soft mark on your credit file but usually has minimal impact. We only submit one application — the one most likely to be approved at a competitive rate from 60+ lenders — not multiple.

Initial review is 15 minutes. Pre-approval typically comes back in 3–5 business days. Full settlement (paying out your old loan and starting the new one) usually takes 4–6 weeks depending on the lender.

Typical costs include: discharge fee from current lender (~$300–$500), application fee with new lender (often waived), valuation fee (often included), and government registration fees (~$300). Many lenders offer cashback ($2,000–$4,000) that covers these. We'll break it all down upfront — no surprises.

No. Sometimes the best move is staying and renegotiating. We'll tell you straight — if your existing loan is already sharp, we'll say so. We work for you, not the lender.

Yes. Completely free. The lender pays us a commission after settlement — never you. No retainers, no upfront fees, no surprise invoices.

We have specialist lenders who work with self-employed borrowers and new ABNs (even under 2 years). Low-doc and alt-doc options available.

Absolutely — this is one of our most common scenarios. We'll review your options before your fixed rate ends so you don't accidentally roll onto an expensive variable rate.