The break-even
Discharge fees, any break costs, application fees, and how many months of saving it takes to get them back. If the payback is ugly, I'll say stay. I have a refinance calculator if you want a first pass.
Refinance
If your rate hasn't been reviewed in two years, you're probably paying a loyalty tax.
A quick health-check and an honest answer on whether it's worth moving — including "no, stay put" when that's the truth. The savings have to beat the switching costs, or it isn't a refinance. It's busywork.
Who this is for
A better rate is only half the question.
Refinancing gets sold as "cut your rate." Sometimes that's the whole job. Often the more useful work is fixing the structure you set up years ago — splitting a loan, adding an offset, releasing equity, or getting off a package that no longer earns its fee.
- You haven't compared your rate to the market in a couple of years
- A fixed term is ending and you don't want to roll into whatever the bank offers
- You want cash out for renovations, an investment, or the next purchase
- The current loan is fine on rate and wrong on features
How I help
Numbers first. Then a recommendation.
More than the headline rate
Offset vs basic, split loans, redraw traps, and whether your current lender will match to keep you. A 0.10% cut that loses a useful offset is not a win.
I don't disappear after
If we move the loan, I review it every year against the market. Most years the answer is "it's still fine." Some years it isn't. Either way you'll know.
The first conversation
Thirty minutes on Google Meet.
Bring your current rate, approximate balance, and whether you're fixed or variable. I'll tell you if a move is worth it — and if it isn't, you can close the tab.