Rates change. Lenders change. Your loan probably hasn't. We compare 60+ lenders, run the numbers, and only suggest a switch if it actually stacks up.
Banks don't reward loyalty. They count on it. The longer you've been with them, the less they have to do to keep you. Meanwhile, they're offering sharper rates to brand-new customers walking through the door. If your loan is more than two years old, there's a fair chance you're paying for the privilege of staying put.
We compare your loan against 60+ lenders. If a switch saves you real money after fees and break-even, we'll show you the maths. If it doesn't, we'll tell you straight — and sometimes the best play is renegotiating with your existing bank instead of moving. Either way, you walk away with clarity.
We thought we were on a fair rate. Pilbara Finance found us a lender 1.2% sharper — nearly $500 a month back in our pocket.
Refinancing isn't always the right move. Discharge fees, setup costs, break costs on a fixed loan — they all eat into the savings. We crunch the full picture, including your break-even point, and only recommend a switch if you're genuinely better off long term. If you're not, we'll say so — and either help you sharpen your current deal or put a plan in place for when the numbers move.
We don't push one bank's product. We compare your current bank against 60+ alternatives — major banks, credit unions, non-bank lenders, specialists. The right answer is whatever leaves you better off, even if that means going back to your current bank with a sharper offer.
FIFO swings. Overtime. Site allowances. Self-employed. Casual hours. The income that makes your life work in WA also confuses most banks. We know which lenders count what — and we structure your application so it lands at the right desk.
Discharge forms, valuations, lender follow-ups, settlement paperwork — that's our job, not yours. You sign where we tell you to. We'll keep the lender moving so you're not left wondering what's happening.
We do the heavy lifting with the banks so you don't have to.
We review your current loan, run it against 60+ lenders, and show you clear options — stay and sharpen, or move if there's a better deal.
We recommend a structure that fits how you actually live: fixed or variable, offset, redraw, splits, the right term. Plain English, no jargon.
We handle the paperwork, chase the lender, and manage the switch. You end up with the new loan in place, and we stay on hand for the next review.
Two quick paths — drop your interest, or roll your debts into one easier monthly payment. About a minute either way.
Two paths into refinancing. Pick the one that fits — you can always come back.
Your current home loan balance. Drag the slider or it's fine to estimate.
Roughly what your lender's charging you right now. If you're not sure, your last statement will have it.
Pick whichever's closest. Not sure? That's fine — we'll use a sensible estimate.
Credit cards, car loans, personal loans — anything chewing your monthly cash flow. Add up to 5 here.
Add up to 5 more here. Beyond that, we'll work through the rest on the call.
Estimates are a great start. The real numbers come from us looking at your situation, your lender, and what's possible across our panel of 60+. Quick chat, no pressure.
Estimates only. Based on indicative rates and the inputs you provide — actual rates depend on your situation, the lender, and your loan structure. Doesn't account for switching costs (discharge, application, valuation, and possibly lenders mortgage insurance, or LMI). If you're consolidating shorter-term debts into a longer mortgage, monthly repayments drop but total interest paid over the life of the loan can increase — happy to walk through the full picture with you. Pilbara Equities Pty Ltd, CRN 478535, of Mortgage Specialists Pty Ltd, ACL 387025.
A few signs your loan needs a check-up: it's been 2+ years since you last reviewed it; rates have shifted but yours hasn't really moved; your fixed rate is ending and you're rolling onto a higher variable; you've built equity and want to use it; your situation has changed — better income, family changes, or new goals. Any of those, and a 20-minute review will tell you whether you can save, restructure, or whether you're actually already on a fair deal.
Three buckets to consider: lender fees (discharge from your old bank, setup with the new one — usually a few hundred dollars each); government fees (small — mostly for changing the mortgage registration); and break costs if you're on a fixed rate that hasn't expired. We add it all up against the savings, calculate your break-even point, and tell you straight whether the switch is worth it.
If your home's gone up in value, you've built equity — and a refinance is one of the cleanest ways to access it. Common uses: renovations, an investment property deposit, consolidating high-interest debt, or just keeping a buffer for the unexpected. We'll walk through the options, model the cash flow, and make sure you're not over-stretching or using equity in a way that bites you later.
Sometimes the smartest play isn't moving banks — it's restructuring with your current lender. Adding an offset. Splitting fixed and variable. Adjusting the term. Renegotiating the rate when they know you're shopping around. We can do that conversation for you, and if your bank won't budge, then we move. The leverage is in having an alternative ready.
James and Diana had been with their bank since they bought the house. Six years in, never reviewed it, assumed they were on a fair rate because the bank had never said otherwise. They came to us after a mate mentioned what he was paying. We pulled their statements apart and the rate gap was bigger than they'd guessed.
We compared their existing 6.79% rate against the panel and found a lender at 5.59% — a 1.2% sharper rate, full offset account, same loan term. Modelled the savings against the discharge and setup fees: break-even in around five months, then pure savings from there. About $480 a month back in their pocket — and the offset means every dollar of their savings now chips away at the interest.
Composite scenario built from multiple real Pilbara Finance refinancing transactions. Names, locations and identifying details are illustrative; the timeline, structure and pricing reflect the kind of outcomes our 60+ residential lender panel produces in 2026.
Real reviews from real Google. No curated screenshots, no cherry-picked quotes.
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A no-obligation refinance check across 60+ lenders. We'll tell you straight whether a switch saves you money — or whether you're already on a fair deal.
"Knew every lender on the panel and made refinancing genuinely easy. Saved us a heap."
Buying again, upgrading, or downsizing? We compare 60+ lenders to find the loan that actually fits your next move.
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