Refinancing
If your rate is embarrassing, say so.
We’ll pretend to be polite, then hunt something less humiliating. The fact find is how we see the existing loans without a 14-email archaeology dig.
Why people tap this button
- The fixed rate expired and nobody called.
- Two properties, one messy offset, a lender who ‘doesn’t do extras’.
- You want cash out for the reno and your current bank wants a personality test.
- You’re not unhappy. You’re just paying a loyalty tax.
Existing loans belong in the fact find
Balances, rates, remaining terms - type them once. They land in the scenario, not a sticky note on Jimmy’s monitor. If a statement is missing, upload it in the same sitting (or later, if you’d rather docs-only).
When the comparison rate actually looks better, we move. When it doesn’t, we say so. Paul enjoys that part.
First home instead? That pep talk lives here.