Refinancing · Free rate check
Still on your old rate? Find out what loyalty is costing you.
If you haven't reviewed your rate in two years, you're probably paying for the privilege. Tell us what you're on and we'll check it against the market — personally answered within 24 hours.
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We compare your loan against 40+ lenders — majors, credit unions and specialists — on total cost, not the advertised rate.
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If staying put is the right call, we'll tell you that too.
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Our service costs you nothing — we're paid by the lender on settlement, disclosed up front.
Prefer to talk it through? Call 1300 88 LOAN
Not ready to talk? KeyReady, our free money app, can watch your loan for refinance opportunities.
Refinance questions
Fair questions.
What will this check cost me?
Nothing. We're paid a commission by the lender when your loan settles, and we disclose exactly what that is before you proceed. You'd pay the same rate going to that lender directly — you'd just be doing the paperwork yourself.
How long does refinancing take?
Pre-approval is often 24–48 hours once your documents are in. Formal approval typically runs 7–20 business days depending on the lender. We chase them so you don't have to.
What if my current loan is still the best deal?
Then we'll tell you that. The check is a structured review of your current loan against the market — if staying put is the right call, you'll hear it from us straight, with the comparison to back it up.
Take the next step
Twenty minutes could settle it.
Book a free call and walk away knowing whether your current loan still stacks up — whatever you decide to do next.