Thousands of Australians are still on outdated rates from 2021–2022 fixed periods now rolling off. A free, no-obligation rate assessment with a specialist broker could uncover significant savings — plus cashback offers up to $4,000.
Enter your current loan details to see your potential monthly and annual savings. Results update in real time.
Not sure if refinancing makes sense for your situation? Here are the most common triggers our clients acted on — and saved thousands.
Most clients are surprised how straightforward refinancing is when a specialist broker manages the process for them.
Multiple lenders are actively competing for refinancers right now. Here are the key cashback tiers available through our broker panel. A broker can confirm your eligibility.
Based on a $550,000 loan, 25-year term, principal & interest. Rates indicative for March 2026.
| Scenario | Interest Rate | Monthly Repayment | Annual Interest | vs. 6.5% Baseline |
|---|---|---|---|---|
| Your current rate (typical revert)Standard variable after fixed period ends | 6.50% | $3,706per month | $35,456interest yr 1 | Baseline |
| Mid-tier refinance optionCompetitive variable with offset account | 5.99% | $3,536per month | $32,619interest yr 1 | Save $2,040/yr |
| Best available rate (panel)Lowest rate available to qualifying borrowers | 5.69% | $3,449per month | $30,898interest yr 1 | Save $4,558/yr |
| Best rate + $3K cashbackNet of cashback in year one | 5.69% | $3,449per month | Effective saving | Save $7,558/yr 1 |
Repayments are indicative only. Actual rates depend on LVR, credit history, loan type and lender policy. A broker will provide a personalised comparison.
Get My Personalised ComparisonI'd been on 7.1% for 18 months and just assumed I couldn't get better because of a hiccup on my credit file two years ago. The broker found me 5.89% with a $2,500 cashback. I was in shock. Saved over $500/month.
My 2-year fixed rate ended in January and I was terrified of the revert rate. The broker called me in December, had a new loan approved before Christmas, and I settled the first week of January. Couldn't have been easier.
Self-employed with two companies. Banks kept saying it was too complicated. The broker knew exactly which lenders accept our type of income documentation and got us a great rate with $3,000 cashback on a $720K loan.
Our specialist refinance brokers review your current loan against 40+ lenders, model your savings scenarios, and manage every step of the process — completely free of charge.
No jargon. No spin. Just the answers you actually need.
Still have questions? Our specialist brokers answer them all — completely free, no obligation.
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