2-Minute Quiz

Should You Refinance Right Now?

Answer 7 quick questions and get a personalised recommendation - no email required to see your result.

G'day! Let's check your savings

I'm Joey, your friendly guide. Answer these 7 quick questions to see if refinancing makes sense for you right now. No email required!

How long have you had your current home loan?

Joey's Tip: Loyalty to a single lender typically costs you - the longer you've stayed, the more you may have overpaid.

Question 1 of 7

Do you know your current interest rate?

Joey's Tip: Many Australians don't know their rate - one reason they end up overpaying.

Question 2 of 7

What is your approximate loan balance?

Joey's Tip: Larger balances mean larger absolute savings from even a small rate reduction.

Question 3 of 7

Are you on a fixed or variable rate?

Joey's Tip: Fixed rates can involve break costs - variable rates can be changed at any time.

Question 4 of 7

Has your property value increased since you bought?

Joey's Tip: Higher value means lower LVR - which unlocks better rate tiers and may eliminate LMI.

Question 5 of 7

Does your loan have a 100% offset account?

Joey's Tip: An offset account can save an extra $2,000–$5,000/year depending on your balance.

Question 6 of 7

How long do you plan to stay in this property?

Joey's Tip: The longer you stay, the more a lower rate compounds in your favour.

Question 7 of 7

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