Getting Off Your Fixed Rate Now Will Save You Money & More!
End your financial uncertainty & stress
Get a low variable rate now to save later
$0 break cost
Get an assured 7-Nights Holiday Package! (Bonus Gift)
Hear it from Rob,
The Business Champion!
Quakers Hill, Sydney, NSW
Hear it from Kerren,
An Amazing Single Mom!
Blacktown, Sydney, NSW
Hear it from Sanford & Soniya
Our Power Couple with 2 kids
Canley Vale, Sydney, NSW
Hear it from Eddie
Retired Railways Employee
Darwin, Northern Territory
Here’s Why You Need To Refinance Your Fixed Rate Mortgage RIGHT NOW!
With the greatest interest rate rise, the discussion of fixed and variable rates has taken a whole new meaning. If your current fixed rate is significantly lower than your variable rate at your lender, it is more likely than not that you would not be penalized for refining.
It is vital to understand that as your interest rates have moved up, your assessment rates have gone up beyond 6% to 7% at most lenders at the moment.
Consider this example of Sam, an Aussie homeowner on a fixed rate:
Sam has a 30-year loan term of
$1,000,000
His current fixed repayment at 2% is
$3696/mo
At end of the fixed rate, variable 6% at his current lender would cost
$5996
So refinancing with the existing lender now would cost home an extra
$2300
It’s high time to decide whether you want to stay on your fixed rate fix rate for the next 3, 6, or 12 months? Or grab this opportunity to get on a relatively lower variable rate now.
Get A Bonus Gift
Bali
Phuket
Kenya
Refinance & Secure
7 Night Holiday Vouchers For 2 💝
Travel Australia & Abroad
You Choose Your Destination
How Borrower First, Puts You First,
We believe there is a better way to refinance than a purely commission-driven model, and we work hard to prove it by getting the best rates for you (and not the lender). More than your hard-earned money, we also save the stress and time you’d have to put to negotiate a good deal.
We understand what you don’t know, and we will make sure you do know all about managing your money by the end of our conversation. With Borrower First, you reduce your repayments, pay off your loan a lot sooner and speak freely to an experienced professional about things that matter to you.
50+
Offering us wholesale rates for finance and refinance loans
50+
Years
Team experience in property investments
850+
Homes
Refinanced in Sydney, Melbourne, Brisbane, Canberra and across Australia.
How Borrower First, Puts You First,
We believe there is a better way to refinance than a purely commission-driven model, and we work hard to prove it by getting the best rates for you (and not the lender). More than your hard-earned money, we also save the stress and time you’d have to put to negotiate a good deal.
We understand what you don’t know, and we will make sure you do know all about managing your money by the end of our conversation. With Borrower First, you reduce your repayments, pay off your loan a lot sooner and speak freely to an experienced professional about things that matter to you.
50+
Offering us wholesale rates for finance and refinance loans
50+
Years
Team experience in property investments
850+
Homes
Refinanced in Sydney, Melbourne, Brisbane, Canberra and across Australia.
Real Client Stories Of Unreal Savings
Here’s one of our clients, Sanford and Soniya, Who saved over $100,000 in their repayments after refinancing their home loan
They were paying interest of above 3%. With Borrower First, they had to pay less than 1%. Soniya agreed that while working with mortgage brokers only offered different mortgage options, having a personal refinance strategist helped them understand their personal needs and know how secure their future was. Saved from the hidden trailing commissions, they could pay their home loan before retirement without any major cutbacks in their lifestyle.
“Kiran’s a really good person to work with. He would really sort your finances out. And I think getting an interest rate of less than 1% is any borrower’s dream.”
Kerren Saved 5 Years & $18,000/yr
While Kerren wanted to own an investment property, she had three other loans that were set interest only for almost 5 years. So the first change we made is to help her move to principal + interest loans.
With financial security and a good mortgage buffer for emergencies, both of her properties became self-sufficient. With the whole package of refinancing investment and home loans for great interest rates, she saved $18000 in the first year itself, which translated to massive savings over the years.
“I hated having to refinance over and over, and with Borrower First, I’m glad my search was over.”
Retired and living happily in Darwin, Eddie had acquired a fairly good super fund from working in the railways. Willing to secure his retirement with a good investment, Eddie went to AMP bank for advice. Somewhere along the line, he realized they had advised him wrongly, and that’s when he met Borrower First.
While things were always abstract at the big bank, Borrower First coached him openly and helped him get the best product available then.
Eddie now lives free, in a place now where the weather is good and suits his metabolism, and he is quite happy with his financial situation.
“It was a bit of a risk that I took with my loan, and I took that leap of faith with Kiran, and I came out victorious on the other side.” – Eddie
What Borrowers
love about us…
More than Mortgage Brokers
Ex-bankers, and investment advisors who love real estate, we are licenced, fully insured and accredited experts, making us the best company to refinance home loans in Australia.
Personal Finance Strategy
As your Personal Finance Strategist, we tailor our discussions and deliver a financial structure to help you safely navigate the financial requirements of life while reducing your home loans as much as possible.
Born to Negotiate For You
We negotiate interest rates and give you exclusive access to wholesale rates from award-winning Australian-based funders.
We have the know-how
As ex-bankers, financial planners and property investors, we give you access to the know-how that gives you an unfair advantage over other mortgage owners.
We Work For You
As your Personal Finance Strategist, mortgage broking is just a small part of what we do. We offer Independent Credit and Property Advice to help you take charge of your future.
Focused on reducing debt
We are always looking for ways to help you pay off your debt sooner. Whether it is consolidating, restructuring or refinancing, guiding you to a debt-free retirement is our priority.
If you fit the following criteria
Your loan is less than 80% of the market value of the property
You should be an Australian resident with a 100pt ID.
You have been employed for over a year or self-employed for over 2yrs.
Your current home loan is over 4 months
You should have a clear credit file.
Reach Out For An Honest Discussion
With home loan rates rising sharply after a decade, we are seeing financial stress affect every aspect of life. So what’s your bank got you on now while they offer huge discounts to attract new customers? Staying with your current lender could be costing you your lifestyle.
It’s time to get a better deal to reduce your home loan.