REFINANCE
Your bank's counting on you not checking.
Loyalty is expensive. A two-minute loan health check shows what staying put is costing — and whether moving is worth the effort.
REFINANCE CHECK
Your two-minute loan health check.
Estimates only, your best guesses are fine.
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WHEN REFINANCING MAKES SENSE
Five good reasons to move. One good reason not to.
Your rate has drifted
Lenders reserve their sharpest pricing for new customers. If you haven't repriced in two years, you're probably funding someone else's discount.
Your fixed term is ending
Roll-off to a default variable rate is where loyalty costs most. Line up the next move before it happens.
You want equity out
Renovations, investment, business — equity can fund it without a personal loan's pricing.
Debts everywhere
Consolidating cards and personal loans into your mortgage can cut the monthly bleed. (Stretching short debts over 25 years has trade-offs — we'll show them honestly.)
Your situation changed
Gone self-employed? Some lenders will treat you far better than your current one.
The one reason not to
If exit costs, LMI or a small saving make it marginal, we'll tell you to stay. A refinance that doesn't clear its own costs isn't a win, and we don't recommend those.
SELF-EMPLOYED NOTE
Refinancing while self-employed.
Plenty of owners feel stuck with their lender because "reapplying is a nightmare". It isn't — with the right documentation pathway, refinancing self-employed is our home turf.
HOW IT WORKS
From first chat to funded.
Tell us what you're after
Two minutes online, or a call if you'd rather talk it through.
We assess your position
Income, structure, goals — and which documentation path presents you strongest.
We compare and recommend
Options from our panel, explained in plain English, with the trade-offs spelled out.
We run the switch
New lender, discharge, settlement. Most of it happens without you.
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