Personal circumstances like your job, relationships and financial goals often change and so will the interest rate you’re paying.
Beyond Broking

Is your current home loan still beyond comparison?

So many people set and forget their home loans and it ends up costing them a lot!

Personal circumstances change, right? Life might look a little different now than it did, say, two or three years ago. Home loan products look different, too. 

That's why we recommend a regular (at least every two years) review of your loans and the interest rate you're paying, because chances are, you could be paying less and saving more. A home loan health check will give you peace of mind that you're still paying the lowest interest, and that the way your loans are organised still suit your lifestyle.

We offer free home loan health checks, and we’ll compare more than 40 lenders to find you the most suitable home loan rates in Australia. Whether it be one of the big four banks (NAB, CommBank, ANZ and Westpac) or a smaller lender, we negotiate hard with them on your behalf to get you a better loan product.

We don’t like to gloat, but nine times out of 10 we find better loan conditions for our clients than they could get anywhere else.

Get the most competitive refinancing deal, completely tailored to your specific needs, today.

How can we help?


Free property valuations

This is the first step in determining if refinancing will be a cost-effective solution for you. How much is your property now worth versus how much you owe.

Interest rate negotiation

Based on your situation we then talk to our lenders and make sure you’re getting the best deal possible for your personal situation.
Best interest rates


With over 40 lenders to choose from, we present you with the best options. It may be a simple rate negotiation with your current bank or a complete refinance with a different lender.
Home loan review

Portfolio restructuring

The correct structure of your portfolio may be the difference in saving thousands. We’ll review it and provide you with any recommendations.
loan products

Periodic reviews

It is important to us that our clients remain well priced in the market all times, so we make it our responsibility to do periodic reviews on your behalf.


Why should I refinance?

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You could save thousands of dollars. The home loan rates you originally signed up for may be higher than what’s currently available and you have probably built up some additional equity that will give you access to more options. We suggest a quick interest rate and home product check to see where you are placed and if we think you can do better we will find you the right option.

What's involved in refinancing?

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We do it pretty much all for you! It begins with an assessment of your financial situation, a review of your current loan, a valuation of your existing property and the submission of some forms. Just like a home loan application, we manage the whole process from start to finish, keeping you informed along the way.

How much does refinancing cost?

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This varies depending on the lender and the type of loan you have but it is reasonable to expect a charge of approximately $700. This covers settlement and registration fees while application and valuation fees are typically waived by the new lender. Spending a few hundred to save thousands makes “cents” doesn’t it!

I have credit card and personal loan debt. Can I consolidate this into my home loan?

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Yes you may be able to! This is “Debt Consolidation” and is something we can help you with. Some lenders have restrictions on what you can consolidate so we’ll need to find the right solution based on your circumstances. Debt consolidation can be a great way to simplify repayments and potentially benefit from lower interest rates associated with your home loan. Credit card and personal loan interest rates are generally much higher than home loan rates.

What’s the difference between variable and fixed rates?

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A variable rate is where the interest rate on your loan changes, generally in line with market conditions and the index rate set by the Reserve Bank of Australia (RBA). This is beneficial when interest rates are going down or you need flexibility in your home loan.. Fixed rate means the interest rate on your loan is set at the time of signing your home loan application and does not change over the life of your loan. This is beneficial when interest rates are going up as it holds your interest rates at a lower rate or want certainty in repayments.

Let’s have a one-on-one chat

Get an obligation free home loan and interest rate consultation with one of our brokers today.
Schedule an appointment
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