Is it time for you to think about refinancing?

Refinancing

Switching home loans could save you thousands of dollars

Are you paying a ‘loyalty tax’ on your mortgage?

In 2022 the Australian Financial Review reported on the difference between the rates big banks charge existing customers and those they offer for new business. Existing client rates were 0.91%*higher on average–that could cost you tens of thousands of dollars!

It’s time to review your home loan if:

You’ve been with the same lender more than 3 years
The value of your home has grown significantly and your equity has increased
You’re on a fixed rate loan and the term has just finished or is about to finish
You have a split loan (part fixed and part variable) but you haven’t been tracking how much you pay on the variable rate portion

Remember, it costs nothing to review your rate but it could save you thousands.

What our clients say

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"I am so pleased that I used Nadia’s loans to assist me. Nadia was referred to me by a friend and I was pleasantly surprised by her honestly, kindness and professionalism. Nadia helped me refinance my mortgage. I am definitely no financial guru so having Nadia’s knowledge and honestly really helped. I’m so pleased with the outcome and have already recommended her to my friends."
Annalise HallRefinance

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"Navigating the mortgage process seemed like a daunting task, but with Nadia, it felt like a breeze. From the moment we began working with her, her genuine warmth and friendliness shone through. Nadia was always available to address our questions, no matter the time or day. I was particularly touched by her dedication, answering our concerns even during her holidays and outside of regular working hours.

Her attentiveness wasn’t just limited to timely responses, but also in the depth and clarity of her explanations. She took what could be a confusing process and made it easy to comprehend. Throughout our journey, Nadia was more than a mortgage broker; she felt like a trusted friend guiding us every step of the way.

I am truly grateful for the opportunity to work with Nadia. For anyone considering mortgage services, I wholeheartedly recommend her. She’s not just good at what she does—she’s the best!"
Tomos Owen BramwellFirst Home Buyer

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"Nadia helped us buy our very first home. Nadia was very professional and made us feel very calm during the process of obtaining our loan. We were always put at ease and nothing was too much trouble. Thank you for everything!"
Sarah PurvesFirst Home Buyer

Have your financial circumstances changed?

If you’ve had your loan for a while, your situation may have changed significantly. Marriage, divorce, children. Different employment. Increased equity in your property. Your home loan is a major expense and it’s worth looking at it regularly.

You might think switching home loans isn’t possible for you, but there are many options available in the marketplace.

Reviewing your mortgage won’t cost you a cent and it could save you significant amounts of money.

Release equity for renovations or major purchases

You may want to extend your home, get a new car or take a once-in-a-lifetime holiday. Or you need a deposit for an investment property purchase. If you have a good payment record with your current loan provider, they may offer you a top-up loan–but are you sure it’s the best offer in the market?

Other lenders are keen to acquire a new customer. Doesn’t it make sense at least to check out what other options are on the market?

More options, no additional cost

We work with a panel of over 35 different financial institutions, so you can be sure you won’t miss out on the best home loans for you. We do all the hard work of picking out the best options, saving you hours of research time.

Even better, there’s no charge to you for our advice on loans, or for our assistance with the application process. We are paid by the lender, but we are working in your best interests and we are transparent about our commissions.

Use cashback options to protect yourself from early termination fees

When you switch your home loan, you have to think about cashflow as well as total loan costs. There may be termination fees attached to your current loan. We will always investigate and confirm the situation for you specifically.

A cashback bonus on your new mortgage is one way to help manage short term high termination fees. Or if you don’t have to pay any, it can give you some spare cash to get ahead on repayments or to treat yourself!