Is your home loan rate still competitive?
60-second request. Expert Melbourne broker. Reply within 2 business hours.
- Access to 30+ lenders
- No fee for our service on standard home loans
- Reply within 2 business hours
- Balanced advice: stay or switch
What happens next
- 1
Share your rate and balance
Four fields, about 60 seconds.
- 2
We text or call within 2 business hours
To confirm a couple of details and give you an initial read.
- 3
Full review only if it is worth it
A 15-minute conversation comparing your loan against 30+ lenders, only if there is something in it for you.
Why a rate review is worth 60 seconds of your time
Lenders rarely lower an existing customer’s rate on their own. New-customer pricing moves often, and the gap between what you pay and what a comparable borrower could access today can open up without you noticing.
If your property has grown in value or you have paid your balance down, your loan-to-value ratio (the loan as a share of the property’s value) may have fallen into a lower pricing tier. That alone can change the rate you qualify for.
A review costs nothing and commits you to nothing. Once we have a couple more details, we compare your loan against 30+ lenders and tell you plainly whether it is worth acting on.
About J2C Mortgage Advisory
J2C Mortgage Advisory is an expert mortgage broking firm based in Melbourne's west, working with homeowners across Truganina, Tarneit, Point Cook, Werribee and the wider Melbourne area. Our team has access to 30+ lenders and focuses on how a loan is structured, not only the rate.
If staying with your current loan is the right call, we say so. Credit Representative 577408 of Australian Finance Group Ltd, ACL 389087.
Common questions
What if my rate is already competitive?
Then we will tell you so. A good outcome for you is knowing where you stand. If your current loan is well placed, staying put is often the right call and we will say that plainly.
Do I have to switch lenders?
No. Sometimes the best first step is asking your current lender to review your rate, and we can help you do that. Switching only makes sense when the savings clearly outweigh the costs.
What does this cost?
There is no fee for our service on standard home loans. Brokers are paid a commission by the lender when a loan settles, which we disclose in our Credit Guide. If your loan is unusual and a fee would apply, we tell you before any work starts.
How are brokers paid?
Lenders pay brokers an upfront and an ongoing commission on settled loans. The amounts vary by lender and are set out in our Credit Guide and in the credit proposal you receive before you apply. Our recommendation is based on your needs, not on which lender pays more.
Who is J2C Mortgage Advisory?
J2C Mortgage Advisory is an expert mortgage broking firm based in Melbourne’s west. Our team has access to 30+ lenders and we operate as Credit Representative 577408 of Australian Finance Group Ltd, Australian Credit Licence 389087.
Ready for a clear answer?
We reply within 2 business hours. No fee for our service on standard home loans.