Best for
Where this fits.
- Homeowners whose repayments have increased and need relief
- Borrowers coming off a fixed rate and facing a higher variable rate
- Investors restructuring their portfolio for better cash flow
Refinancing
Make sure your current loan is still the right one
Lower your rate, restructure your repayments, or release equity - but only if switching actually saves you money.
- We negotiate with your current lender before recommending a switch
- We calculate the full break-even cost on every recommendation
- We manage the entire process between lenders
How it moves
What happens next.
- 1 Review your current loan
We look at your existing rate, fees, features, and any break costs to understand your starting position.
- 2 Check repricing with your current lender
Before switching, we negotiate with your current lender to see if they'll offer a better rate.
- 3 Compare alternative lenders
If repricing isn't enough, we compare 30+ lenders for a better overall deal.
FAQ
Quick answers.
How much does it cost to refinance?
Costs vary but typically include discharge fees from your current lender, application fees from the new lender, and possibly legal or valuation costs. We calculate the total before recommending a switch.
Should I ask my current lender for a better rate first?
Always. Many borrowers get a better rate without the hassle of switching. We check repricing before recommending a refinance.
How long does refinancing take?
Typically 2 to 6 weeks depending on your lender and complexity. We manage the process and keep you updated at every stage.
Is refinancing worth it if I'm only saving a small amount?
It depends on the break-even period. If the switching costs are recovered within a year or two, it's usually worthwhile. We model the numbers so you can decide.
Start enquiry
Tell us the scenario. We will map the next step.
One enquiry. Human direction. No duplicated paperwork before the fit is clear.
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