Should you refinance? Get a clear answer.
Sometimes switching pays off, sometimes staying put does. We tell you which.
- 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.
The three numbers that decide it
Refinancing comes down to three figures: what it costs to switch (discharge and application fees, government charges and any fixed-rate break costs), what you save each month, and how many months it takes for the savings to cover the costs. If that break-even point is short, switching usually stacks up.
Break costs on a fixed-rate loan can change the answer completely. They depend on how rates have moved since you fixed and how long is left, so they need to be checked before anything else.
Sometimes the better first step is a rate review with your current lender rather than a full refinance. We look at both and give you a balanced view either way.
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.
How long does refinancing take?
Typically two to four weeks from application to settlement, depending on the lender and how quickly documents come together. Some lenders offer faster settlement for simple refinances. We give you a realistic timeframe once we know your situation.
What are the costs of refinancing?
Usually a discharge fee from your current lender, government registration fees, and any application or valuation fees from the new lender. If you are on a fixed rate there may be break costs. We set all of these out before you decide.
Can I refinance an investment property?
Yes. Investment loans are reviewed the same way, with attention to interest-only terms, offset structure and how the loan sits alongside your other lending.
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.