Australians Are Saving Thousands Of Dollars On Their Home Loan... 

How Much Could You Save And What Would You Spend It On?

Our Average Saving for Home Owners is $9,000, Just By Switching To A Better Home Loan Rate. 

With no cost to yourself and one phone call, you can find out how much money you could save on your home loan repayments. Your hard earned money can be put to better use. Here are some of the clients we've helped...

How We Saved Anthony and Christina $11,000 

  • $7,000 reduction in monthly repayments (1 year)
  • $4,000 refinance cashback
  • $11,000 total saved 
Anthony and Christina had been with their bank ever since they bought their house in 2012. They had got the best fixed rate deal at the time and they assumed they were on the best rate and were happy with their bank. 

 When they approached us in 2019 to help buy an investment property, we realised, that for the past 5 years (since their fixed rate expired)- they had been paying well over 1.5% over what the prevailing ‘best rates’ were!

They never got a call or even a message from their bank to help reduce their outgoings. We were quickly able to move them to a lower rate, thereby reducing their monthly repayments by $7000 annually plus pocketing a $4,000 refinance cashback, making it a net $11,000 gained in the first year.

They have learnt not to become ‘mortgage prisoners’ with any bank now, and we regularly check on their portfolio to ensure they are constantly saving money on their repayments.

How We Saved Isabella $9,000 

Isabella bought a block of land in Sydney’s western suburbs in 2018 and her local bank suggested a 4 year fixed rate loan on land so she could ‘save’ money while preparing to construct her first home. 

When Isabella approached us in 2020 to get her construction loan sorted, we saw she was paying way over the market rate on her existing land loan. But there was a loan break cost of $11,134 to terminate the fixed term early.

But we were able to find her a solution where she not only saved $17,000 on the remaining 2 year term of the loan, but also got a $3,000 cashback from the new bank.
So she saved $9000 by reducing her monthly repayments. Isabella has now moved into her dream home and continues to enjoy a market leading low rate and our excellent service.
  • $6,000 reduction in monthly repayments (1 year)
  • $3,000 refinance cashback
  • $9,000 total saved 

The Savings In Detail

Potential Savings For Your Home

Potential Savings For Your Investment Property

How Much Could You Save?

We have spots available to help 18 people switch to a better home loan rate and save thousands. If you would like to know what you could save, book a free consultation with our team. 

We have limited spaces so book today!

Award Winning Home Loan Advisor

You are at the heart of everything we do. We take the time to learn about your financial situation, your profession, your evolving circumstances and what your goals are. We then get into action and find the best home loans, Government schemes, exemptions and bonuses available for you. We want home ownership to be something everyone has access to. 

We are also passionate about making the often daunting home loan process as simple and smooth as possible. You have a big team of professionals behind you to help get you the best possible outcome so you can relax and enjoy your new home. 

The Cinch Academy

We have a wealth of tips and strategies that we use to help our clients buy their dream home. Check out some of our educational videos here:

The Mortgage Process Explained

Refinancing A Home Loan

Interest Only Loans, Are They A Good Option?

Hear From Our Clients

Talwar family testimonial
S. Marlow testimonial
H. Warrea testimonial
A. Wojcicki testimonial

Over 100 5 Star Reviews

Frequently Asked Questions

How can I benefit from refinancing?

Depending on your goals, the benefits of refinancing can include:
  • Getting a better interest rate to reduce the size of your mortgage
  • ​Reducing your monthly repayments..
  • ​Consolidating debt such as credit cards, car loans, or tax debt into one monthly repayment.
  • ​Getting competitive interest rate by refinancing to a major lender after fixing past credit issues.
Accessing equity to renovate your existing property, to build something, to buy an investment property, to go on a holiday, or just to have some cash in the bank.

What does Exceller8 Financial do?

We work with you to find the best and most cost effective home buying and refinancing strategies that you suit your specific situation and needs. We work with a large range of lenders and bring a wealth of experience and expertise. Most importantly we're here for you. To make the home buying process as simple and as smooth as possible. 

What is the refinance process?

An experienced mortgage broker can help you through the refinance process by doing the following:
  • Investigate and shop around for a mortgage.
  • Apply with the chosen lender (this is all you’ll need to do). If you’re using a mortgage broker, they will do all the shopping around for you and recommend the most suitable mortgage and submits your application on your behalf.
  • Refinancing is the same as applying for a new loan so you’ll need to provide standard supporting documents such as your identification, bank statements and payslips/ tax returns.
  • ​Once the application is submitted, the lender may require that your property be revalued.
  • ​The lender will submit a discharge form to your state’s Land Titles Office to close the old mortgage account.
  • ​Your new mortgage is used to pay off your old mortgage.
  • ​You start paying your new home loan – usually within a month of settlement.

Let's Get You Into A New Loan At A Better Rate.

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As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. 

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