Lenders save their sharpest pricing for new customers. We check what you're paying against the market, ask your lender to match it, and tell you whether moving is worth the paperwork.
On a large balance, a small margin is real money.
Car loans and cards folded in, cheaper monthly but longer overall. We show both sides.
For a renovation, an investment, or the next deposit.
Offset, split, or investment debt separated properly for tax.
If break costs, a fixed period or a small balance make switching pointless, we'll say so. We'd rather keep you twenty years than move you for a headline rate.
We go to their retentions team with market evidence. It often works, and costs you nothing.
Discharge, registration and new loan fees against the saving over three years.
A written comparison, per month and over the life of the loan.
A discharge fee, mortgage registration, and sometimes application or valuation fees, often a few hundred to around a thousand dollars. Break costs apply inside a fixed term.
Typically two to four weeks, depending on the lender and how fast the outgoing lender discharges.
Usually, though many lenders accept a desktop or automated valuation at lower LVRs, so no inspection.
It lowers monthly outgoings but stretches short-term debt over thirty years, costing more overall unless you keep repayments up. We'll show both numbers.
Send your current rate and balance. We'll tell you where it sits against the market.