Awards & recognition
A $972,000 home loan, refinanced from 6.60% to a sharper rate — with the saving routed into offset. On the projection: about $272,000 less interest and fees over the loan, and around $600 a month back straight away. See your own number free — about 60 seconds, no credit check.
See What I Could Save →One client's projected example — figures depend on the rate, term, costs and consistently keeping the saving in offset. Not a quote or an offer; your result will differ. Two more real examples below.
"Smooth and simple refinancing process. Great rates, clear communication. Highly recommend."
"Peter went above and beyond to help me refinance. Very transparent and helped with every question I had. Highly recommend."
Banks quietly reserve their sharpest rates for new customers. Stay put, and the gap creeps up on you.
The honest bit most refinance ads skip: after costs — or over a longer term — a "cheaper" rate can cost more. So we look at the whole picture, not just the headline number.
We check your current rate and structure against suitable options from our panel of 30+ lenders.
Switching costs, the loan term, any break or LMI costs — so we compare true cost, not just the sticker rate.
Where suitable, we set up an offset and point the saving into it, so it keeps working — instead of quietly vanishing.
Enter a few details and see how your current rate compares — and what switching could save. Free, ~60 seconds, no credit check.
Important: a lower interest rate doesn't automatically mean you'll save. Refinancing has costs (application, valuation, discharge, government charges, and possible break or LMI costs), and stretching the balance over a longer term can increase the total interest paid. This is general indicative information — not a recommendation, loan approval or quote; a comparison rate applies to any specific product we'd recommend.
Enter your details in the calculator to see your full projection. A member of our mortgage-broking team may contact you to check the assumptions and discuss whether it could suit your circumstances. If you ask us for credit assistance, we'll assess your situation and act in your best interests as required by law. See our Privacy Policy.
Real anonymised examples straight from our calculator — projected figures, so you can see the range. Your eligibility and result will differ.
Real anonymised client projections from our calculator. A lower rate isn't automatically a saving once refinancing costs and the new loan term are counted, and the projected interest saved assumes the monthly difference is kept in an eligible offset. Figures are estimates — not an average, offer or quote; any interest rate was available to that client at the time and a comparison rate applies to any specific product we recommend. Actual outcomes depend on your balance, rate, costs, LVR, servicing and lender assessment. Indicative only — not credit assistance.
We compare suitable options across the panel — not just today's rate.
★★★★★ 5.0 from 119 Google reviews
"An absolute pleasure to deal with during the refinancing process — a second time now. Each time seamless, and they found me the best interest rate possible."
"10/10 — very patient and not over the top. Quick with his research and reviews on lenders while keeping it realistic. Easiest and smoothest by far."
"Thanks to you and your staff for organising our refinancing and move to our new bank. Always available to discuss any problems. Highly recommended."
"Most refinance ads wave a lower rate at you and stop there. I don't. A cheaper rate isn't a saving until you count the costs and the term — so I'll show you both sides and tell you straight if switching wouldn't actually put you ahead, even if that means you stay exactly where you are. No pressure, ever."