0.5% on your interest rate may not seem much at first glance but can actually mean thousands of dollars over the life of your loan. Often banks offer cheaper interest rates to new customers while their loyal customers unknowingly sit on a higher rate. Whether you’re on a variable rate or your fixed rate is due to expire, we may be able to help you negotiate a lower rate with your current lender or find one that will. We will continue to review your loan annually so you never pay more than you need to.

Not all home loans are packaged equal - they offer different features and functionalities! Switching to a loan that allows more regular or extra repayments, an offset account or redraw facility can help you pay less in interest over the life of your loan. On the other hand; if you’re not using the features packaged with your existing loan at the moment, moving to a more basic loan could save you in fees.

Higher interest debts such as personal loans, car loans and credit cards, in some cases, can be consolidated with your home loan. Not only does this mean one easy repayment but you could save your self in interest. We will assess the bigger picture to determine if debt consolidation is right for you.

Whether you’re planning another property purchase, a renovation, a car upgrade or you have another project in mind; you may be able release equity from you’re home to fund it!

If your credit score has changed for the better since you took out your home loan, firstly, well done! Secondly, its possible you could be eligible for a much cheaper interest rate!