Refinance & restructure
Refinance to a Better Rate, or a Better Structure
Most borrowers refinance for the rate. We also look at loan splits, offset accounts, cross-securitisation and equity, so the new loan sets you up for your next move.
Savings estimateP&I · 25 years
Monthly saving$300
Over 5 years$18,012
Is it time?
Tick Anything That Sounds Like You
Nothing ticked yet.Most borrowers tick at least one.
Our approach
Reprice First. Switch When the Numbers Say So.
We put both options side by side, with every fee shown, before you decide.
RepriceUsually days
We negotiate a lower rate with your current lender. No new application, no valuation.✓No discharge or setup fees
✓Same loan, same account details
✓Best when your structure already works
Switch lenders2–4 weeks
We move you to a lender that fits your next step, and fix the structure on the way.✓Often the bigger rate saving
✓Untangle cross-secured properties
✓Release equity into a clean split
The process
A Switch Without the Paperwork Headache
01
Strategy callWe review your current loans, rate and what you want next.02
ComparisonRepricing with your lender against the best switch options, with all costs shown.03
Switch & settlementWe handle the discharge, new application and settlement.04
Annual reviewOngoing rate check so you don’t drift back onto a high rate.At least once a year, and whenever your fixed rate ends, your income changes or you plan to buy again. We do this review for every client automatically.