Is your loan still the right loan?
Rates move, life moves, and most lenders keep their sharpest pricing for new customers. A refinance can cut your rate, consolidate debt, release equity for a renovation or the next purchase, or simply fix a structure that no longer fits.
Paperwork and finances were never my strong suit. He has made this process as simple and dummy proof for me as humanly possible. This is not the first time I use a mortgage broker, however it was the easiest and most pleasant.
Calculate your savings.
Over the remaining term, before switching costs and fees, we model those honestly before recommending a move. Estimates only, not credit advice.
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An estimate, not credit advice. A broker review against real lender policy usually moves the number. No credit check. No obligation. Your details are never sold.
How we help
When it’s worth it.
Your rate sits well above what new customers are offered.
Your fixed term is expiring and the revert rate is high.
New income, a renovation, or equity you want to put to work.
Discharge, registration and any break fees, modelled before we recommend a move.
Many Sydney refinances come out ahead within a year. Not all, we say which.
Sometimes a reprice call to your lender is the right answer. That’s free.
Common questions
How often should I review my home loan?
A quick review every year, or whenever your fixed rate is ending, is a good habit. Lenders reprice constantly, and the loan that was sharp two years ago often isn’t today.
Will refinancing affect my credit score?
A refinance application involves a credit check, like any loan application. One considered application has a modest effect; repeated scattergun applications are what to avoid, which is why we recommend one lender, deliberately.
Can I refinance with less than 20% equity?
Often, yes, though lenders mortgage insurance may apply again, which changes the maths. We check whether the saving genuinely outweighs the cost before you commit.
Start with a conversation.
Twenty minutes with Charles is usually enough to know the right path, and what it will cost.