Existing customers can pay up to 0.5% more. Are you one?
The loyalty tax is real. RBA and ACCC data confirms it. A 30 minute conversation can change that.
-
![3 year savings]()
Average extra paid by borrowers with loans 3-5 years old vs. new customers *
-
![10 year savings]()
Extra paid by borrowers with loans over 10 years old
-
![Loan Savings]()
Potential savings for $1m loan by switching
WHO WE HELP
If you haven’t refinanced in the last 2 years, you’re probably overpaying.
Banks reserve their sharpest rates for new customers. If you've been loyal and just let your loan roll over, there's a good chance you're sitting on a rate that made sense a few years ago but doesn't anymore.
We help homeowners who are ready to stop leaving money on the table. Whether your situation is straightforward or more complex.
Loyal bank customers
Been with the same lender for years and suspect you could be doing better.
Self-employed owners or freelancers
Your income is uneven or complex and previous attempts to switch haven't gone smoothly.
Equity ready
Your property has grown in value and you want to use that equity to invest or renovate.
WHAT WE DO
We do the legwork. You get a better deal.
More than rates, we make sure your whole structure is right.
Find out what you save
We analyse your current loan. Rate, features, fees, so we know exactly what we're beating.
Search across 40 lenders, 100’s of loan options
We find the sharpest rate and the right structure for your situation. not just the headline rate with hidden catches.
Run the real numbers
Lower rate doesn't always mean better deal. We factor in break costs, application fees, and offers so you can see the actual saving.
Make the process as fast as possible
We manage the whole application, liaise with the banks, and keep things moving. Start our fast refi process here.
Use your equity if it makes sense
If your property has grown in value, refinancing can unlock equity for renovations, an investment property, or other goals. We'll show you the options.
BEFORE YOU REFINANCE
What many people don’t know.
-
Most people put off refinancing because they think it's a hassle. In reality, a straightforward refinance can be done in 2-3 weeks with less effort from you. We handle the paperwork, the lender, and the discharge of your old loan.
-
The ACCC inquiry found that banks were explicitly aware that existing customers paid higher rates than new ones. And did nothing about it unless pushed. It's not an oversight. It's a strategy that relies on borrower inertia. The only way to fix it is to act.
-
We provide clear savings, even after fees so you know the exact impact refinancing can do for you.
-
-
ACCC data showed borrowers with loans under 1 year old pay 0.29% more than new customers. By 3–5 years it's 0.58%. Over 10 years it reaches 1.04%. Loyalty is costing you more every year you don't act.
-
Self-employed or irregular income doesn't automatically disqualify you. We know which lenders assess non-standard income most favourably, and how to present your situation to give you the best shot at a competitive rate.
-
We're paid a commission by the bank so our advice costs you nothing. We’re also bound by law to always recommend what’s in your best interests.
-
If you have strong equity, we can do more than refinancing for a better rate. Many options arise like cash outs for home improvements, investing or other purposes.
CALCULATE YOUR SAVINGS
How much could you save?
* Loan Savings Sources:
ACCC Home Loan Price Inquiry Final Report (2020) · RBA lending rate data · Finspo loyalty tax tracker (2024). The gap has fluctuated over time but has never closed.
Find out how much you could save
A free 30-minute call is all it takes.
We'll find out if you're overpaying, who you could switch to, and whether it's worth moving. No obligation, no hard sell.