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It depends on how quickly you provide the required information. Most comparisons can be done within 48 hours.

Yes, but break costs need to be considered. If the costs are too high, we can wait until your rate expires and set a reminder to follow up.

Fees charged for breaking a fixed-rate mortgage before the term ends. These fees depend on market rates and the lender.

In some cases, they may, however, they won’t let you know if another bank is offering an even better rate, so it’s always advisable to go through a mortgage broker who will have access to a greater selection of lenders in the market.

There’s never one answer to this question, it could be due to a range of things. This is the perfect time to shop around. There are many lenders out there who are looking for new business, and your loyalty could be costing you thousands. Don’t assume because your bank said no that they can’t provide a better rate, that you can’t do better.

There are always lenders who will consider an application if you have bad credit, however your interest rate may be higher than someone with a higher credit score. Our mortgage brokers have access to a credit repair company that may be able to assist you in increasing your credit score, which may help you in your quest to get a lower rate or buy your first home.

In Australia, a score above 661 is good, and above 853 is excellent.

Common reasons include missed repayments, high debts, or multiple credit applications. Fraud or errors can also lower your score.

Life insurance can provide financial security for your family if something unexpected happens, helping them keep the home.

Yes, you can refinance to access equity if your Loan-to-Value Ratio (LVR) is under 80% and you have a good credit score.

It depends on market conditions. Fixed rates can provide stability but may cost more if rates drop. Our brokers will explain the pros and cons.

Refinancing costs vary but may include fees like loan application, origination, and appraisal fees. Costs typically range from 2% to 6% of the loan amount. Our mortgage brokers will work out those costs and ensure the refinance is going to benefit you.

It can be, but closing costs must be considered. Our brokers will assess whether the cashback deal benefits you.

Mortgage brokers compare more options, work for you (not the banks), and provide ongoing support to ensure you get the best deal.

Recent payslips, tax notices, identification, and current bank/mortgage statements. Self-employed individuals may need two years’ tax returns.

You can refinance as often as you like, but frequent refinancing can affect your credit score. Many lenders have a 6-month waiting period.

A good mortgage broker will review your loan annually to ensure you’re on the best rate and repayment terms.

There’s no universal answer. The best bank depends on your financial situation, goals, and borrowing needs. Our expert brokers will match you to the right lender.

Select and Switch partners with Secure Finance, who receive a commission from lenders. This commission is shared with us, at no cost to you.