Could your older loan carry a higher rate? Here's what the ACCC found.
Peter compares your current loan with options from our panel of 70+ lenders, and leads the switch through to settlement, with his team behind every step.
Need more time? See all options
A selection of the 70+ lenders on our panel.
When a fixed rate ends, your loan may roll onto a variable rate. Check your options first.
If no one has checked your rate in two years or more, see where it sits.
Using equity for a renovation or a big purchase? Lenders treat it differently.
Rolling debts into your home loan can lower repayments but may cost more over time.
A new lender assesses you from scratch. Here's what they look at.
Owing less than 80% of the lender's valuation often opens more options and avoids new LMI.
Your current income and spending are reassessed, not your situation from when you first borrowed.
A clean record of repayments on your current loan helps.
Fixed loans can carry break costs, and your current lender may charge a discharge fee.
Offset, redraw and splits can matter as much as the rate.
Peter matches these details to lenders on our panel that may suit your situation. Approval is always subject to the lender's assessment.
Loyalty doesn’t set your rate. Lenders do.
As loans get older, the gap between what borrowers pay and what new borrowers pay can widen. Peter checks where yours sits.
Borrowers with 3–5 year old variable home loans paid on average about 0.58 percentage points more than the average rate on new loans (as at September 2020).
Source: ACCC Home loan price inquiry · checked November 2026For loans more than 10 years old, the average gap was about 1.04 percentage points (as at September 2020).
Source: ACCC Home loan price inquiry · checked November 2026Tell Peter what you're planning. By phone, video, or over a coffee at your favourite spot.
Peter looks at options from our panel of 70+ lenders and explains the trade-offs.
Choose your option. We manage the paperwork and lender questions through to funding.
“Peter was incredibly helpful with reviewing my financing. I found him to be very organised, professional, and a clear communicator. He is highly recommended.”Lucy · Blue Finance client
“You’ll speak to me on the first call. I’ll lead your loan personally, with my team backing every detail.”
15 minutes with Peter. By phone, video, or over a coffee in Melbourne.
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