Debt Audit
We review every existing facility, rate, term, structure, and total cost-to-borrow.
Services / Refinance
Refinance.
Is your current deal costing you? We’ll find out.
Market Scan
We compare your facilities against 50+ lenders to find genuine savings.
Negotiation & Restructure
We negotiate directly with lenders and restructure for a sustainable long-term outcome.
Settlement & Handover
We manage all paperwork and keep you informed at every step through to settlement.
The Loyalty Tax
Your bank is counting on your loyalty.
Lenders price new business better than existing business. Long-term clients are quietly repriced upward as the years pass. We see it constantly: loyal customers don’t get the same deal a new borrower would for the same loan. We call it the Loyalty Tax. Call us for a no-obligation refinance review.
What we refinance.
Agribusiness debt
Farm mortgages, seasonal overdrafts, water and livestock facilities.
Commercial property
Investment or owner-occupied. Consolidate or restructure.
Home & investment loans
Owner-occupied and investment residential portfolios.
Equipment finance
Balloon payments and residual values on asset leases.
Business facilities
Working capital, overdrafts, and term loans.
Mixed portfolios
Holistic restructure across multiple lenders and facility types.
What our clients say
★★★★★
Adrian was fantastic in our appointment — making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
Verified Google Review
Refinance process
Our 4-step refinance approach.
A deep-dive review of your existing debt (overdrafts, short-term and long-term facilities) to identify hidden costs.
We leverage our network to identify which of our 50+ lenders currently has the highest appetite for your specific situation.
We use our banker’s mindset to create genuine competition between lenders, advocating for competitive terms and covenant structures.
We manage the entire switching process and paperwork, coordinating the transition with minimal disruption to your daily operations.
What are you refinancing?
Start with the one that fits.
Refinancing a home loan
Owner-occupied or investment, on a wage or salary.
Book a time →Refinancing when self-employed
Company, trust or sole trader income.
Book a time →Refinancing a farm
Seasonal facilities, term debt and water.
Book a time →Refinancing a business
Working capital and covenant relief.
Book a time →Refinancing commercial property
Terms coming up for review.
Book a time →Refinancing equipment
Residuals, balloons and end of term.
Book a time →Common questions
The reasons people put this off.
Will the break costs wipe out the benefit?
Sometimes, and that is exactly what gets worked out first. Break costs on a fixed loan can be significant and they are calculated by your current lender, not estimated by me. The audit establishes what leaving would actually cost you before anything else is considered.
I only fixed my rate recently. Is it worth looking?
It depends entirely on the break cost and how long is left. It is a short conversation to establish, and it is complimentary. Knowing the number is better than assuming it.
Will I have to pay lenders mortgage insurance again?
Possibly, if your loan is above 80% of the property value. LMI is generally not transferable between lenders and it is not refundable. Where equity has grown since you borrowed, it often is not an issue at all. This gets checked before anything is submitted.
My bank says it will match any offer. Why go through the process?
It is worth asking them, and many people do. Two things worth knowing: a bank that will match on request was never giving you its best pricing unprompted, and matching a rate does not address structure, covenants or reporting, which is usually where the real cost sits.
How long does a refinance take?
It depends on the lender, the valuation and how quickly information arrives, so I will not promise you a timeframe a lender controls. What I can do is put in a complete submission, which is the part that most often causes delay when it is done poorly.
What does it do to my credit file?
Assessing your position does not touch your credit file. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens. Lodging applications with several lenders to see what sticks is the most common way people damage their own file.
I have been with my bank for 20 years. Does loyalty count for anything?
Lenders price new business better than existing business and rely on customers not checking. That is not a criticism of your bank specifically, it is how the market works. A review tells you whether it applies to you.
What does a refinance cost me?
That depends which service it falls under, and each service page sets out its own fee in full. Home loan refinancing carries a $250 fee that comes back to you as a gift card after settlement. Business, agribusiness and commercial refinancing carries the $1,800 plus GST engagement fee. Either way, everything up to the indicative outcome is complimentary.
Explore our other services
Agribusiness Finance
Land, seasonal & agri lending.
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Working capital, property & expansion.
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Vehicles, machinery & specialist gear.
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Purchases, refinancing & first homes.
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