When Was The Last Time
You Review Your Home Loan?
If you’re on a variable rate, there’s a strong chance your repayments have increased without a proper review.
We will help you assess your current home loan and explore better options based on today’s market.
When Was The Last Time
You Review Your Home Loan?
If you’re on a variable rate, there’s a strong chance your repayments have increased without a proper review.
We will help you assess your current home loan and explore better options based on today’s market.
Next Step: Answer a few simple questions and we'll help see if you could be overpaying on your home loan
What Happens If You Don’t Review Your Home Loan
If you haven’t reviewed your home loan for months, you could be paying more than necessary without realising it.
Even a small difference in interest rate can add up to thousands over time.
Your current loan structure may also no longer align with your financial situation, meaning you could be missing opportunities to reduce repayments, improve flexibility and potentially save thousands.
Why Choose Zippy Financial
Personalised Solutions
We take the time to understand your goals and help explore financial solutions suited to your situation.
Wide Range Of Lending Options
Access to a broad panel of lenders and flexible finance solutions.
Simple & Transparent Process
Clear communication, no confusing jargon, and support every step of the way.
Support For Complex Scenarios
Self-employed, low deposit, refinancing, or debt consolidation — we help navigate more challenging situations.
Fast Turnaround
We understand timing matters and aim to make the process as smooth and efficient as possible.
Frequently Asked Questions
How do I know if refinancing is worth it?
Refinancing may be worthwhile if you can secure a lower interest rate, reduce repayments, access equity, consolidate debts, or find a loan that better suits your needs. We can compare your current loan against available options.
How much could I save by refinancing?
Every situation is different. Even a small reduction in your interest rate could potentially save thousands of dollars over the life of your loan.
Will refinancing affect my credit score?
Lenders may perform a credit check as part of the application process. However, refinancing itself does not automatically damage your credit score.
Can I refinance if my property has increased in value?
Yes. An increase in your property's value may allow you to access equity for renovations, investments, debt consolidation, or other financial goals.
What is equity and how can I use it?
Equity is the difference between your property's value and the amount you owe on your mortgage. Depending on your circumstances, you may be able to access some of that equity through refinancing.
My fixed rate is ending. Should I refinance?
Many borrowers review their options when their fixed rate period ends. This can be a good opportunity to compare lenders and ensure you're still on a competitive loan.
How long does the refinancing process take?
The timeframe varies depending on the lender and your circumstances, but many refinance applications can be completed within a few weeks.
Are there any costs involved in refinancing?
There can be fees associated with refinancing, such as discharge fees, settlement fees, or government charges. We'll help you understand any costs and whether the potential savings outweigh them.
Can I refinance if I'm self-employed?
Yes. Many lenders offer refinance options for self-employed borrowers, although documentation requirements may differ.
What happens after I complete the assessment?
We'll review your responses and contact you to discuss your current loan, potential savings, available refinance options, and the next steps.
Ready to Start Your Refinance Journey?
