Refinancing
Is Your Rate Still Working for You?
The gap between what new borrowers are offered and what existing customers pay remains significant. We compare your current loan against today's market and show you exactly what a better structure could look like.
No credit check required.
Waiting It Out
Hoping for a rate cut while overpaying every month.
Taking Action
Using current market data to secure a better rate immediately.
Why Existing Borrowers Overpay
Awareness of these patterns is the first step toward a better financial outcome.
The Loyalty Premium
The ACCC found existing customers pay up to 32 basis points more than new borrowers at the same institution. That premium compounds significantly over the life of your loan.
Retention Incentives
A cash rebate to stay often looks attractive, but rarely offsets the long-term cost of a higher rate. We run the numbers so you can see the full two-year picture before deciding.
Credit File Protection
Multiple direct applications leave marks on your credit file. We assess your eligibility across lenders without impacting your credit score, then apply to the right one.
Three Steps to a Better Rate
Benchmark Your Rate
We compare your current rate against the live market. See exactly how your loan stacks up and what a competitive rate looks like for your profile.
Evaluate the True Cost
We calculate discharge fees, break costs, and ongoing savings to give you a clear picture of whether switching is genuinely worthwhile.
Switch With Support
We handle the process. Finding the right lender, managing paperwork, and ensuring your transition is smooth and your credit file protected.
Estimated Annual Savings
$4,280 / year
Net of discharge fees.