Service · 02
When loyal ty stops being loyal.
Most banks reserve their sharper rates for new customers. We audit your current loan against 25+ lenders and tell you — in writing — whether moving wins you money. Often it does. Sometimes it does not.
01 · In practice
A refinance is structural, not just a rate chase.
Switching lenders is a four-variable problem: the rate, the fees to leave, the fees to switch, and the loan structure on the way out. The headline rate is rarely the deciding factor — the offset arrangement, the redraw mechanics, and how the new lender treats your income usually matter more.
The Strategy Memo lays it out side by side: current loan, proposed loan, net savings in the first 12 months and over the residual term, with the assumptions stated openly so you can challenge them.
02 · Questions we cover
The four conversations before any switch is recommended.
Break costs on your current loan vs. the savings on the new one — net, after fees, in the first 12 months and over the residual term.
Whether your current loan structure still suits your situation — offset, redraw, P&I vs interest-only, fixed vs variable.
Whether the lender most likely to win your business this quarter is on a campaign or holding rates steady.
Cash-out for renovations, debt consolidation, or investment leverage — whether it stacks up against alternatives.
03 · What to gather
A short list — most of it you already have.
Most recent loan statement (last six months).
Last two payslips and the most recent group certificate or PAYG summary.
Three months of transaction-account statements.
Identity documents (driver licence + passport or Medicare card).
Existing offset and redraw balances if relevant.
07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.