Refinancing & Repricing service
Stop Overpaying On Your Home Loan Today.
We review your current interest rate against over 40 lenders to slash your monthly repayments, remove the “loyalty tax,” and help you pay off your mortgage faster.
Experience Clarity in Your First Home Journey
Interest rates have moved, but your bank might not have passed on the savings. We find you a better deal, often saving clients thousands per year without them needing to switch banks. We handle the negotiations so you don’t have to.
Free Loan Health Check
We analyze your current interest rate and fees against the market to calculate exactly how much you could save immediately.
Negotiate Or Switch
We fight for a better rate with your existing lender first. If they won't budge, we move you to one who will.
Consolidate & Save
Roll high-interest car loans or credit cards into your lower-rate mortgage to dramatically reduce your total monthly outgoings.
Put Money Back In Your Pocket, Not The Bank's
Banks often offer their best rates to new customers while leaving loyal ones on higher rates. We stop this “loyalty tax” by renegotiating your deal or finding a lender who values your business, helping you combat the rising cost of living.
Expert Refinancing Advice To Reduce Your Mortgage Stress In Melbourne
We handle the negotiations and paperwork to secure a lower rate, giving you peace of mind and more cash flow.
Get a Free Consultation!
Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Refinance Roadmap
Refinancing doesn't have to be a headache. We manage the entire switch from comparing rates to settlement, ensuring you move to a better deal seamlessly and start saving sooner.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
There are some costs involved, such as discharge fees from your old lender or registration fees. However, we always calculate the "break-even point" for you. Often, the savings in the first few months of lower repayments cover these costs entirely. Plus, some lenders offer cashback incentives to switch.
Yes, but you may need to pay "break costs" if you leave a fixed rate early. We can calculate these costs for you and see if the savings from a lower variable rate make it worth breaking the contract now.
The "loyalty tax" is the difference between the interest rate existing customers pay versus the lower introductory rates offered to new customers. Banks rely on you not checking. We check for you and force them to compete for your business.
Absolutely. If your home has increased in value, you can refinance to "cash out" some of that equity. You can use these funds for renovations, buying an investment property, or even a new car, usually at a much lower rate than a personal loan.
Making a formal application does leave a "footprint" on your credit file. This is why we do the research before we apply, ensuring we only submit an application to a lender where you fit the policy, minimizing any risk to your credit score.
Yes. This is a common strategy to improve cash flow. By moving high-interest debt (like credit cards at 20%) into your home loan (at ~6%), you significantly lower your monthly repayments. We can help structure this correctly to ensure you pay it off quickly.