Assessing the switching costs
We assess the costs of switching, including the effect of restarting a thirty year term, when comparing suitable options available through our approved lender panel at the time of assessment.
Overview
Refinancing is often sold as a rate chase. It is more useful to treat it as a structural review that happens to include the rate.
The right question is not whether another lender is advertising something lower. It is whether moving leaves you better off after discharge fees, application fees, valuation, government charges and the cost of resetting your loan term.
Who this suits
- Rolling off a fixed rate in the next six months
- Paying a rate you have not reviewed in two years or more
- Wanting to access equity for renovations or an investment deposit
- Consolidating higher interest debt into the mortgage, with eyes open
- Needing a different structure rather than a different rate
What we help with
Repricing before switching
In some circumstances, a suitable outcome may be your existing lender matching a competitor. We will try that first where it makes sense.
Equity release done carefully
Accessing equity is straightforward. Doing it without weakening your position takes more thought.
Before you go further
The detail on this page is general information, not credit assistance or personal
advice. What applies to your situation depends on your income, assets, liabilities
and objectives. Call 0413 321 141 and we will work through the specifics.
Common questions
How it works
Initial Consultation
We discuss your goals, financial position and borrowing requirements.
Compare Loan Options
We compare suitable lending solutions available through our approved lender panel at the time of assessment.
Application Support
We prepare and submit your application while keeping you informed.
Settlement
Once approved, we assist through settlement and remain available for ongoing support.