



No, not a cent. We're paid by the bank when your loan settles, which means our advice and service costs you nothing. And unlike some brokers, we also don't invoice you if your situation changes and the deal doesn't go ahead.
It usually comes down to three things: your current interest rate, when your fixed term expires, and whether you're carrying any other debt. Even if rates haven't dropped dramatically, switching lenders can still mean a cash back of several thousand dollars plus a better loan structure. The best way to find out is a quick 30-minute call - we'll give you a straight answer.
Once we have your details and documents, most refinances settle within 4–6 weeks. If your fixed rate is expiring soon, get in touch now so we have enough time to get everything in place.
A credit check is part of any home loan application, but a single enquiry has minimal impact on your score. We'll always discuss your situation first before submitting anything to a lender.
Absolutely. If you feel like you're not getting the attention, communication, or advice you deserve, you're welcome to get a second opinion. Many of our clients came to us after feeling underserved elsewhere, and there are no obligations from a first conversation.


