How it works

Four meetings to mortgage free.

A clear, four-step path from first call to the day the loan is gone. Plus the bit most brokers skip — the 6-monthly review that runs forever.

15 min · phone or in-person

Tell us your story.

A relaxed, no-paperwork conversation. We learn your goals, your income, your existing loan, and what "sooner" actually looks like for you.

What we cover

What you own, what you owe, what you earn
The next 5–10 years (kids? upsize? investment?)
Your current loan — rate, lender, features
An honest "is now the right move?" answer

2–3 days · we do the work

We shop the whole panel.

30+ lenders, run against your real circumstances. We come back with the 3–4 products that actually fit — and the maths on why.

What you get back

A shortlist of 3–4 loans with real numbers
Side-by-side comparison rate, fees and features
Switching cost analysis vs renegotiating in place
Plain-English recommendation, not jargon

3–6 weeks · we run point

We handle the settlement.

Paperwork, valuations, lender chasing, solicitor liaison. You sign things and get updates — we deal with the rest.

What we manage

Application pre-checks & document collection
Valuation ordering and follow-up
Direct lender chase — daily if needed
Email updates at each milestone, not chase calls

Forever · we don't disappear

We keep working on your rate.

Twice a year we re-negotiate with your lender. Average client shaves another 0.32% off without switching — for as long as you're with us.

Every 6 months

We compare your rate against today's whole market
We call your lender on your behalf
You get a one-page summary of what changed
If switching beats staying, we model that too

The 6-monthly review

The part of broking nobody else does.

The rate you sign on day one is rarely the rate the bank gives loyal customers in year three. Banks count on you not noticing. We notice — twice a year, on your behalf.

A typical client's rate history.

Refinanced with us in Jan 2022 at 2.85%. Through the rate cycle, here's what the 6-monthly review delivered:

Start your review →

Rate over time · sample client

Jan '22

2.85%

Settled

Jul '22

3.15%

−0.05%

Jan '23

5.04%

−0.18%

Jul '23

5.94%

−0.25%

Jan '24

6.21%

−0.32%

Jul '24

5.84%

−0.20%

Jan '25

5.62%

−0.22%

Jul '25

5.48%

−0.16%

$11,420

Saved over 3.5 years

Successful renegotiations

Who we help

Three kinds of clients, one approach.

First home buyer

For Australians stepping onto the property ladder. We walk you through every grant, every threshold, every "what does LMI even mean" question.

FHB grants & stamp duty concessions
First Home Guarantee scheme eligibility
LMI vs. parent guarantor analysis
Offset-from-day-one structuring

Refinance existing loan

For homeowners on a rate that's drifted. We model the maths on switching vs staying — including discharge fees, valuations and the 6-monthly review going forward.

Honest "should you switch?" analysis
Switching cost vs lifetime saving model
Cashback-eligible refinance options
Loan restructure for offset / split / fixed

Investment property

For property investors building a portfolio. We structure loans so principal accelerates on your home while the investment stack stays tax-effective.

Multi-property loan structuring
Interest-only vs P&I trade-off modelling
Cross-collateralisation avoidance
Equity release for the next purchase

Common questions

A few obvious ones.

The questions clients ask first. If yours isn't here, just ring us.

Ask a different question

How much does it cost to use a broker?

Nothing, in almost every case. Our fee comes from the lender we place you with, and it's the same across our panel — so the recommendation isn't skewed toward whoever pays the most. We disclose every cent in writing before you sign anything.

What if I want to keep my current lender?

Often the smartest answer. If your existing lender is competitive — or close enough that switching costs eat the saving — we'll tell you to stay and renegotiate. We do that re-negotiation for you anyway, every 6 months, for free.

How does the 6-monthly review actually work?

Twice a year we pull your current rate, compare it against the whole market, then call your lender on your behalf to ask for a sharper rate. We don't need you to do anything. You get a one-page summary by email — what your rate was, what it is now, what you're saving annually.

Do you handle complex situations — self-employed, trust loans, investors?

Yes. A lot of our book is exactly that. We've placed loans with non-banks that the majors wouldn't touch, structured trust borrowing, and worked through low-doc and SMSF lending. If it's doable in the Australian market, we've probably done it.

How long does settlement take?

Three to six weeks is typical, with refinances at the shorter end and purchases at the longer. We project-manage the whole thing — you'll get email updates at each milestone rather than chasing the bank yourself.

Where are you based — can you help me if I'm not in Brisbane?

We're in Taringa, QLD, but we work with clients across Australia. The first meeting is usually on the phone or video. Documents are signed electronically. Less than a third of our clients live in our postcode.

Step 1

It starts with a 15-minute call.

No paperwork, no obligation. Just an honest read on where you stand and what's possible.

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