Make sure your loan still works for you
When your fixed rate ends, you have choices. We'll compare staying with your bank against switching, and set up a structure that saves you money.
Book a free chatRefix or switch?
Both can be the right answer. It depends on the rates on offer, your plans and any costs to move.
Refix with your current bank
Often the simplest option. We'll check the rate you're offered is competitive and help you choose the right term and split.
- No new application
- We negotiate the rate
- We help you choose the fixed term and how to split it
Switch to a new lender
Worth it when another lender offers a better rate, a cashback or features that suit your plans.
- A full rate comparison
- We handle the new application
- We work with your lawyer on the switch
Cashbacks and break fees
Cashbacks
Lenders often pay a cash contribution when you move your loan to them. Most require you to pay it back if you leave within a set period, often three to four years. We'll always tell you the conditions up front.
Break fees
If you leave a fixed rate early, your lender may charge a break fee. It usually depends on how much rates have moved since you fixed. Sometimes breaking still saves money overall, and we'll do the maths with you.
Lending for business owners
If you're self-employed or a contractor, lenders look at your income differently. Most want two years of financial statements, but some will consider less.
We know which lenders are flexible with self-employed income and how to present your application.
Lenders we work with
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Fixed rate ending soon?
Talk to us a few weeks before it ends so there's time to compare your options.
Book a free chat