Who this is for适合人群
📅 Locked in 2+ years ago
Rates have moved. Banks rarely volunteer to lower yours — they want you to ask.
💰 Want to consolidate debts
Roll high-interest credit cards, car loans into your home loan rate. Lower total monthly outgoing.
🏠 Equity to release
Property went up? Pull equity for renovations, investment, or kids' deposit.
🎁 Want a cashback bonus
Banks offer $2,000-$4,000 cashback to win you. We grab whatever's available right now.
📅 2 年前签的贷款
利率早就动了。银行不会主动给你降利率——他们就等你不问。
💰 想整合多笔债务
把高利息信用卡、车贷整合进房贷利率。降低总月供。
🏠 想释放净值
房价涨了？把净值套出来做装修、投资或给孩子做首付。
🎁 想拿现金返还
银行用 $2,000-$4,000 现金返还争抢客户。我帮你拿到当前最优惠。
How it works申请流程
- Free rate review (15 min) — Send me your current statement. I'll tell you within 24 hours what rates you'd qualify for elsewhere.
- Savings calculation — Exact dollars saved per month and over the loan life, after factoring in exit fees and setup costs.
- Lender selection — Choose the lender that fits your situation (not just lowest rate — also features, cashback, service).
- Application & approval — Usually 2-3 weeks. I handle paperwork; you sign final docs.
- Switch & celebrate — Old loan settles, new loan starts. Cashback usually paid within 60 days.
- 免费利率审查（15 分钟） —— 把你现在的对账单发我，24 小时内告诉你能拿到的更好利率。
- 节省金额测算 —— 每月省多少、整个贷款周期省多少，已扣除退出费和办理费。
- 选定新银行 —— 不只是看利率，还要看功能、cashback、服务匹配你的情况。
- 申请与批贷 —— 通常 2-3 周。我处理所有文件，你只需签最后那份。
- 切换并庆祝 —— 旧贷款结清，新贷款开始。现金返还通常 60 天内到账。
What you'll need所需材料
- Driver's licence or passport
- Last 2 payslips (PAYG) OR last 2 years tax returns (self-employed)
- Last 3 months bank statements
- Current home loan statement (last 6 months)
- Current council rates notice
- List of other debts
- 驾照或护照
- 最近 2 张工资单（PAYG）或最近 2 年报税单（自雇）
- 最近 3 个月银行流水
- 当前房贷对账单（最近 6 个月）
- 当前 council rates 单据
- 其他负债清单
Common questions常见问题
How much does refinancing cost?
Usually $300-$800 total in setup costs (discharge fee from old lender + setup with new). Most lenders' cashback offers cover this completely.
How much will I save?
It depends on your current rate vs market. Most clients I see overpaying by 0.5-1.5%. On a $600K loan, even 0.5% saves $250/month. We'll do exact numbers.
Does refinancing hurt my credit score?
One refinance application has minimal impact and recovers in 3-6 months. Multiple applications at once hurt more, so don't shop around yourself — let one broker do it.
How long does it take?
Application to settlement usually 3-4 weeks. You don't need to do much — I handle the heavy lifting.
转贷要花多少钱？
通常总共 $300-$800（旧银行的解贷费 + 新银行办理费）。大部分银行的 cashback 完全能覆盖。
我能省多少？
取决于你现在的利率 vs 市场水平。我见过的客户大部分多付 0.5%-1.5%。60 万贷款，即使省 0.5% 每月就省 $250。我们会给你算精确数字。
转贷会影响信用分数吗？
一次转贷申请影响很小，3-6 个月恢复。多家同时申请反而伤分——所以别自己到处问，让一个 broker 帮你做。
整个流程要多久？
从申请到 settlement 通常 3-4 周。你不用做太多——我处理大部分重活。
Ready to get started?准备好开始了吗？
Free 30-minute consultation. No obligation. Just honest advice. 30 分钟免费咨询。无任何承诺。只有诚实建议。
📅 Book Free 30-Min Consult预约 30 分钟免费咨询