Refinancing in Melbourne: your home loan reviewed properly, not just repriced.

No. The assessment and the review involve no credit enquiry. A credit check only happens if you decide to proceed with an application, and we tell you before it does.

Because a rate without its comparison rate, its conditions and the structure around it tells you almost nothing, and because rates change faster than a website does. When we show you a rate, it is yours, in writing, with everything attached, so you can compare it properly.

At least once a year, and always when something changes: a fixed term ending, a change in income, a plan to buy or sell, or a move into investment. We stay in touch with clients on that basis, which is one reason most of them stay.

Start the review two to three months before it ends. The choices are to reprice with your lender, refix, split, or switch, and each has a cost and a benefit. Deciding with time is cheaper than deciding after the loan has rolled to the standard variable rate.

Sometimes. A cashback is only worth taking if the rate and fees after it still clear the cost of moving over the time you expect to hold the loan. We show you the whole-of-loan comparison rather than the headline.

We can check which government schemes and lender programmes you may be eligible for and structure the application to suit. Eligibility rules change and are set by the schemes themselves, so we confirm them at the time rather than promising them in advance.

In most cases we are paid commission by the lender on settlement, and our Credit Guide sets out how that works and what you are entitled to know. Where a fee would apply to any part of the work, we tell you in writing first.

Home loan files are handled by the Opulent Finance team under Dayan Kasturiratna, Founder and Director, who provides the credit assistance as Australian Credit Representative 394747. You will know who is looking after your file from the first conversation.