Refinance

Your mortgage, watched every day against the market

We monitor your home loan, your equity and when your fixed term ends, compare it against every bank’s rates and tell you when refinancing or refixing would save. Enter your address to start monitoring.

Free to use. No obligation to switch, and nothing shared until you say so.

  • FreeAdvisers pay for the platform, not you
  • Every bankToday’s advertised rates, updated daily
  • AnonymousUntil you accept an adviser
How it works

Most people refix on autopilot

Your bank sends a letter, you pick a term from their list, and the rate you get is the one they offered rather than the one you could have had. We keep your loan, value and equity current, watch the date, and let advisers compete for you — so the better deal takes minutes, not a weekend of paperwork.

  1. 01
    Enter your address
    We find your property, its council value and title, and estimate your equity.
  2. 02
    Add your loan
    Connect your bank or type in the balance, rate and when your fixed term ends.
  3. 03
    We watch the market
    Your loan is compared against every bank’s rates daily, with alerts as your refix date nears.
  4. 04
    Advisers compete
    Ask for options and advisers respond to a picture already assembled. You stay anonymous until you choose.
What we watch

Always the best plan, not just the best plan today

Refix date alerts
We remind you well before your fixed term ends — the moment your rate is actually negotiable.
Rate monitoring
Every bank’s advertised rates, checked daily against what you pay.
Equity tracking
As your home’s value moves, your LVR can drop into a cheaper lending band. We tell you when it does.
Cashback & break fees
We factor in cashback offers and break costs so switching only happens when it is worth it.

Questions

It can be, particularly when your fixed term is ending, your equity has grown or a bank offers cashback. We compare the total cost, including any break fees and legal costs, so you can see whether it pays.

Enter your address and we’ll watch your mortgage for you

We will find your property, estimate your equity and tell you when a better rate is worth moving for.