They priced your loyalty.
They think they have you trapped.

Two numbers and one question

Estimates are fine. We're after the shape of it, not the cent.

A portal estimate or your own read is fine. Just know the value is the softest number here, and it's the one that moves you on the map.

We make banks compete for your loan.

Here's how we do it, in every zone.

1. We negotiate with your current bank first. Personally.They get one chance to keep you, and they answer a broker differently to a customer, because they know we'll move you if they don't.
2. We price your loan across our lender panel at the same time.With a valuation at every lender who'd take it, because they don't agree, and one of them might see you in a better zone than the others.
3. Once the first offers are in, we run a second round.That's where the best offers come out. Banks hold something back until they know they're competing.
4. We do the paperwork, we lodge it, you sign.Most refinances settle inside 21 days. Then it goes in the diary, and we do it all again in six months without you asking.