Send Charles your latest statement and he compares your rate, fees and structure against the market in ten minutes. If staying put is right, he says so, and asks your lender for a better rate anyway.
Are you paying the loyalty tax?
Are you paying the loyalty tax?
Two sliders from your last statement, see how your rate compares with what new customers are offered today.
Borderline, sometimes a quick reprice with your current lender closes this without switching.
Compared against an indicative market rate over a 25‑year remaining term, before fees. Estimates only, not credit advice.
Confirm your numbers.
Often not. A rate set more than two years ago usually sits above what the same lender offers new customers today, and the revert rate after a fixed term is the single most common reason people pay more than they need to.
The free review reads six things from your latest statement: the rate, the fees, the structure, whether your savings are offsetting interest, your loan-to-value ratio, and whether a repricing request or a switch is the better move.
Part of the refinancing guide.
Yours could be the next one.
One short call tells you what you can borrow and what to do first.
Book my free callCharles and the team recently assisted me with the refinance of my investment property.
As a first home buyer, I was pretty overwhelmed at the start, but Charles made everything much easier. He explained the process step by step and helped me understand my borrowing options. His professionalism and responsiveness were excellent.
Had a great experience with Charles at Links Property Finance. He made the whole home loan process straightforward and easy to understand, kept me updated throughout and was always quick to answer any questions.
Existing borrowers drift above what the same bank offers new customers.
On typical Sydney balances, drift can quietly cost thousands a year.
Rate, fees, structure and offset. If staying is right, we say so.
Most reviews take thirty minutes with your latest statement in front of you.
| Interest rate | What new customers at your lender and across the panel are being offered for the same loan. Lenders reprice constantly; a loan set up years ago is often well above the current offer. |
|---|---|
| Fees | Annual package fees, offset account fees and any fees you are paying for features you do not use. Fee waivers and package value change the real cost more than most people expect. |
| Structure | Fixed, variable or split, and whether a fixed term is about to expire onto a revert rate. The revert rate is the single most common reason people pay more than they need to. |
| Offset and redraw | Whether your savings are offsetting interest, and whether redraw suits how you use the money. Savings in a separate account save nothing; an offset balance saves interest every day. |
| Loan-to-value ratio | What your repayments and the market have done to your equity since settlement. Below 80 per cent, sharper pricing usually opens up and lenders mortgage insurance drops out of a switch. |
| Your next move | Renovation, an investment property, consolidating debts or paying the loan down faster. The right structure for the next step is easier to set now than after the fact. |
Free, no credit check, and the outcome is written down: stay, ask your lender to reprice, or switch, with the costs of a switch modelled first.
Nothing. There is no fee, no obligation and no credit check for the review itself. If a switch follows, the lender pays Links a commission that is disclosed in writing; if a repricing request to your current lender is the better answer, that costs nothing at all.
No. The first move is usually a repricing request to the lender you already have, backed by what the panel is offering for the same loan. Many lenders match or come close. A switch is only recommended when the saving clearly beats the discharge, registration and application costs.
Your latest home loan statement, which shows the rate, balance, remaining term and fees, and a rough idea of what your home is worth. From those Charles works out your loan-to-value ratio and compares the loan against new-customer rates across the panel.
About ten minutes to send the statement and thirty minutes on the call. Charles comes back with the rate gap in dollars a month, the fees you are paying for features you do not use, and whether your fixed term or loan-to-value ratio opens a sharper rate now.
Sometimes not, and Charles will say so. On a small balance a lower rate saves little and switching costs can erase it, but fees, a looming revert rate or an offset account you never used can still be worth fixing with your current lender.
Thirty minutes is usually enough to know the right path, and what it will cost.
Prefer a callback?
Charles calls back within one business day. No documents needed yet.
Estimates only, not credit or financial advice. Calculators use general assumptions; lender policy, rates and your own position are confirmed in a full assessment.
