Seeking a lower interest rate?

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A Lower Rate Matters…

But what is far more important that getting a lower rate on your mortgage?

When it comes time to refinance, many offers will focus solely on a lower interest rate to try and win your business, and often skip over the elements that really make a difference to the overall life span and cost of your mortgage, and ultimately lead to you paying more for you home.

If not done the right way, refinancing for that lower interest rate could actually cost you more, not less.

By refinancing the right way you could achieve:


Lower interset rate


Lower minimum repayment


Shorter loan term


Eliminate all debts


Mortgage Free in as little as 7-10 years, not 30!

So what could be more important than a lowe rate and repayment?

The amount of time you spend paying that interest rate will often have far more impact than a lower rate on its own – yet most banks are out there focusing on nothing but the cheapest rates or showing you the lowest repayment and NOT the cheapest LONG-TERM and most effective mortgage strategies.

When you refinance your mortgage a typical bank will reset your mortgage back to square one and lock you into the longest
mortgage possible, so they can make the most profit possible.

By following our key refinance strategies, you can potentially save thousands or even tens of thousands of dollars each year, and still reduce your interest rates and repayments.

This extra cash can be redirected towards owning your home much faster, other important financial priorities or simply provide more breathing room in your budget.

On top of that, refinancing can be an opportunity to access your home equity for important purposes like home improvements, investing in property, or funding education expenses.


There is a better way!

 We help our clients take control of their own finances by creating a plan to have their mortgage paid out in a time that suits them and on their terms – not the banks, and fits their budget and lifestyle.

In addition, we have access to lenders you may not see advertised and that may offer better loan terms than the big banks, have more flexibility and offer more control over your future.

What’s more, after you home loan has settled, our team of brokers push the banks to their pricing limits by regularly renegotiating with them while you enjoy time with  your friends, families and loved ones.


Our Mortgage Brokers offer


More choice


More transparency


More education on whats REALLY going on


Free lifetime rate reviews


A dedicated contact person when you need answers

Bottom line… It’s about taking control of your financial future, simplifying your debts, and making tangible progress toward owning your home outright.

Book a complimentary chat with us today to explore how debt consolidation through refinancing can empower you to achieve greater financial stability and freedom.

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We regularly renegotiate on your home loan whilst you sleep!

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What to Expect

When financing your home or investment with us, expect honest advice tailored to your needs. We prioritize your satisfaction, ensuring a pressure-free experience.

Our professional team keeps you informed every step of the way, ensuring transparency and clarity throughout the process.

Your goals and preferences are our top priority, and we work tirelessly to exceed your expectations and guide you toward your dream home with confidence.

The Highlights


Honest Advice


No Pressure


Fast Turn Around


Clarity On Your Position

Real Stories

Our Clients

Back to homeownership after bankruptcy

Luke & Rachel Almos

After filing a Part IV Bankruptcy, Luke & Rachel thought they'd be trapped in the rental market for good. Read the story of how Luke & Rachel went from paying $450/week rent, to paying $250/week on their new home!

First Home Buyer

Frank Milly

Approached his own bank directly and was told he needed an unachievable 30% deposit due to the location of the property. Read his story to find out how we solved his dilemma and got him into his first home!

Dissapointed long-time loyal bank client

Laura & Timmy Hall

Laura & Timmy were shocked to find their bank was offering rates a whole 1% lower to win new customers, and were heartbroken when they refused to repay their loyalty with that same rate.

Too many repayments

Tori Mannis

From struggling to get by and meet the repayments on 10 different loan accounts, to being in a position to debt free and own her home outright in as little as 7 years.


Frequently Asked Questions

How much deposit do I need?

Deposit requirements are different from one lender to the next. Typically, most lenders need a minimum of 5-10% of the purchase price + any relevant government fee's and stamp duty.

That said, there are some state-based lenders that only need a 2% deposit, and there are many government schemes available that may help home buyers, such as waived or reduced stamp duty and cash grants that can be used towards your deposits.

In additional, we have access to a range of parental guarantee lenders that will enable you to use equity in a family member’s home rather than having a cash deposit.

Our team will guide you on what you may be eligible for.

Can my parents help buy a home without a deposit?

Yes! In fact, this is a common situation we help home buyers with everyday - it's often referred to as a 'Parental Guarantee' - but also has many other names. The bottom line here is that your parents may be eligible to provide you with assistance by using their own home to help you buy your new home.

Some lenders even allow other family members, such as brothers and sisters to provide a guarantee.

The benefit of this is that you often don't need a deposit at all, and you avoid Lenders Mortgage Insurance (LMI). 

We'll chat to you about this in more detail, and can explain how this works to your parents or guarantor.

What Government Grants and Assistance can I access?

There are a range of grants and concessions available. We will walk you through everything you need to know as a First Home Buyer.

There may also be assistance for second home buyers and families.

I'm self-employed and don't have tax returns - can I still get a home loan?

Yes! Some lenders think outside the box and can verify your income through other methods that do not require tax returns.

The income does still need to be an accurate reflection of your earnings, but many lenders will consider low documentation home loans, otherwise knows as a 'low-doc' home loan.

Can you help me with Car loans & Personal Loans?


We have an extensive range of lenders covering everything from Cars, Trucks, Boats, business equipment and Caravans - all the way through to personal loans for worthwhile purposes, including holidays, renovations, consolidations and everything in between.

Can I refinance a high payment car loan?

In the same way that there are lenders who offer better rates a home loan refinance, the same may be the case with vehicle financing.

Speak with our team to consider your options.

Can I refinance a balloon payments on my car?

Yes - some lenders will consider refinancing a balloon payment on your car.

Some may even allow you to roll this over onto a new car purchase if it's time to upgrade.

Speak with us to see what is possible.

What are the tax benefits?

It’s true, there is an exciting range of tax benefits that may be available to you as a property investor – from negative gearing and depreciation, through to tax minimization.

This is a very specialised area and we recommend seeking professional advice before making any decision.

Speak with us and we can point you in the right direction to get the answers you need.

How much can I really borrow?

Online home loan borrowing calculators are notoriously inaccurate and can often set you off on the wrong path. To make your chance of success harder, each lender will use a different method to calculate how much they will lend you.

Our proactive approach to understanding your borrowing capacity ensures you can go house hunting with some certainly over just how much you can really spend.

We provide a full assessment of your financial position to ensure we understand which lenders you qualify for, and how much each will lend to you.

If you want to know your true borrowing power, chat to us or visit our True Borrowing Power Calculator by clicking here.

How long will it take?

Our initial discussion will usually take no more than 15-20 minutes over the phone or video to ascertain what options may be available to you, but we make ourselves available for longer should you have any additional questions or needs some more time with us.

During that time we can give you all the information you need to guide you on your way.

If you’re happy with what we’ve spoken about we can arrange a pre-approval to give you peace of mind and ensure you can put forward a strong purchase offer.

Each lender will have a different application time frame and we can advise you of what they are.

Can I keep my old home as a rental property?

This is an exciting way to build wealth for your future and many first time property investors started out this way.

It sounds like a great idea to have someone else pay off the mortgage on your investment property – so why wouldn’t you?

There are some important pieces of the puzzle to consider first, so it is recommended to speak with our home loan experts before making any decisions.

How much can I save by refinancing?

We will provide you with a full review of your mortgage and provide a comprehensive home loan lender comparison that will break down each lenders fees, charges and interest rates to make it clear just how much you can save.

It’s not uncommon to save half a percent or more on your interest rate, we’ve even seen reductions as high as 3 or 4 percent on a home loan rate.

A 0.5% savings on a $400,000 mortgage could be as much as $130* or more per month or about $46,825 over the life of the loan, or buy putting those savings back on your mortgage could save $69,651 and  have you owing your home 3.8 years sooner! – so it makes sense to take a proactive approach to your finances with regular reviews.

That's a whole years salary for many working Aussies!

*$130 per month calculated based on a $400,000 mortgage bring reduced from 6.5% down to 6%

Do I need to change banks all the time to keep a good rate?

We take a pro-active approach to annual home loan reviews and will contact your each and every year. The purpose of your review is not to change lenders every year, but to ensure that the mortgage we set up for you is still working as expected and is still competitive – in most cases, there won’t be a need to make any changes at our annual review.

It could be a simple change with your current lender, or no change at all – or perhaps there is another bank worth considering.

Whatever it may be, we will be sure to let you know when the time comes.

Get Started

Book a video call with a home loan specialist