Paying Too Much on Your Home Loan?
If you haven’t reviewed your loan in the last couple of years, there’s a fair chance a sharper deal exists. Our free loan review compares your current rate against 40+ lenders — and shows you what switching could look like, before you decide anything.
- Free, no-obligation review of your current home loan
- We compare your rate against options from 40+ lenders
- We handle the switch — paperwork, discharge and settlement
- Our service typically comes at no charge to you — we’re paid by the lender, and we disclose this upfront
Get Your Free Loan Review
Tell us a little about your current loan and one of our brokers will be in touch within one business day. No obligation, no pressure.
Your details stay with us — see our privacy policy.
What Refinancing Could Do for You
Refinancing isn’t only about the rate. Depending on your situation, switching loans may help you:
Lower Your Repayments
A sharper rate could reduce what you pay each month — we’ll show you the actual numbers for your loan, including any switching costs.
Unlock Your Equity
If your property has grown in value, you may be able to access equity for renovations, investment or other plans.
Get Better Features
Offset accounts, redraw, more flexible repayments — features your current loan may not offer.
Consolidate Debts
Rolling higher-interest debts into your home loan could simplify repayments — though it isn’t right for everyone, and we’ll talk through the trade-offs honestly.
Whether refinancing stacks up depends on your numbers. We’ll lay out the costs and the potential benefit side by side — then you decide.
How It Works
Tell us about you
Fill in the short form. We’ll arrange a free, no-obligation chat — in person, by phone or by video, whatever suits.
We do the homework
We assess what you could borrow, weigh up your options, and compare loans from 40+ lenders.
You move with confidence
We handle the application and paperwork through to settlement, and keep you informed at every step.
Perth Borrowers Trust Strategic Mortgages
★★★★★
“Richard and his team are absolutely amazing. His communication and knowledge of the industry was outstanding… Our case wasn’t simple at all but he always went above and beyond to get it done. 10/10.”
Angelique Atherton — Google review
★★★★★
“Richard the best mortgage broker we’ve ever had! Prompt, professional and very friendly, highly recommended!”
Rob VA — Google review
★★★★★
“Dealing with Ben was a breeze from start to finish. His communication is clear and you can always get hold of him when you need… Ben has great industry & lending knowledge too and his team were also very supportive throughout the process. 5 stars all round.”
Georgia Wood — Google review
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Refinancing Questions, Answered
How much could refinancing save me?
It depends on your current rate, loan balance, remaining term and any switching costs — which is why we start with a free review of your actual loan rather than a generic promise. You’ll see the real numbers before deciding.
What does refinancing cost?
Typically a discharge fee from your current lender, government registration fees, and possibly application fees with the new lender. If you’re on a fixed rate, break costs may apply. We always present the total cost alongside the potential benefit.
How long does refinancing take?
Usually two to six weeks from application to settlement, depending on the lenders involved. We manage the process so you don’t have to chase anyone.
Is it worth refinancing if I’m on a fixed rate?
Sometimes — but break costs can be significant, so it needs checking case by case. We’ll find out what your break cost would be and tell you honestly whether switching now makes sense or whether it’s better to wait.
Find Out What Switching Could Look Like
A free loan review takes one conversation. If staying put is the right answer, we’ll tell you that too.
Get My Free Loan Review
