Perfect Your Mortgage

Refinance and restructure for better rates and terms

Perfect Your Mortgage

If you already have a mortgage, there's a good chance you could be getting a better deal. Banks don't always offer their best rates to existing customers – but they do compete hard for new business.

Our mortgage advisers can review your current loan and see if refinancing makes sense. We'll compare your rate against what's available, calculate any break fees, and determine if switching could save you money.

Even if you stay with your current bank, we can often negotiate better rates and help you restructure your loan to pay it off faster or reduce your repayments.

How We Can Help

Review your current mortgage and compare it to the best available rates

Calculate if refinancing will save you money (including any break fees)

Negotiate with your current bank for better rates on your behalf

Restructure your loan to suit your goals – pay off faster or lower repayments

Access equity in your home for renovations or investments

Consolidate multiple debts into your mortgage for lower overall payments

Set up an offset account or revolving credit to reduce interest

Frequently Asked Questions

Break fees apply when you pay off a fixed-rate loan early or refinance before the fixed term ends. The fee depends on how interest rates have changed and how long is left on your term. We'll calculate your exact break fee and factor it into whether refinancing makes sense.
We recommend reviewing your mortgage whenever a fixed term comes up for renewal, or if your circumstances change significantly (new job, inheritance, etc.). Many people also review when interest rates drop significantly.
Absolutely! Banks often offer better rates to keep existing customers, especially when they know you're considering switching. We handle these negotiations for you and often achieve better results than going direct.
A revolving credit is like a large overdraft secured against your home. Your income goes in and reduces the balance (and interest), while you draw on it for expenses. It's great for those who are disciplined with money and want to reduce interest.
It depends on your situation and risk tolerance. Fixed rates offer certainty, while floating rates let you make extra payments without penalty. Many people split their loan across both. We can help you decide what's right for you.

What Our Clients Say

Lynne was fantastic to deal with. Lightning quick communication, knowledgeable and proactive. She gave us valuable practical, and proactive, insights and we are extremely happy with how easy she made the process.

Scott Clements

Lynne DentLynne Dent

Johnny was great to deal with, friendly, professional and knows his stuff. He went above and beyond the norm (we feel) as we had a slightly tricky situation in our house buying and he was able to get us the loan despite obstacles faced! He would also keep us in the loop as to what's happening and provide advice where needed. Very happy with the service provided. :)

Roger was very helpful and always responsive to questions we had about the mortgage process. Coming from Australia there are some slight differences in the process and Roger was able to talk us through everything in a straightforward way making it easy to understand. He provided sound advice and found a solution that we were happy with. I wouldn't hesitate in recommending Roger to someone looking for the first or 3rd mortgage.

Matt Itzstein

Roger FairbairnRoger Fairbairn

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.