Most Australians are paying more than they should. A quick rate check can reveal if you're one of them. Free, no obligation, bilingual service.
Even a small rate reduction compounds into massive savings. Banks reserve their best rates for new customers, not loyal ones. We make sure you're not paying a "loyalty tax."
Your property may have grown in value since you bought it. Refinancing lets you unlock that equity for renovations, investing, or other goals without selling.
Roll credit cards, car loans, or personal debt into your mortgage at a much lower rate. One simple repayment instead of juggling multiple bills each month.
Offset accounts, redraw facilities, flexible repayments, or switching between fixed and variable. Modern loans offer features your old loan might not have.
On a $500,000 loan, even a 0.5% lower rate means:
以 50 万澳元贷款为例，利率降低仅 0.5% 就能每年节省 $2,500，30年累计可省 $75,000。
Get Your Free Rate Check →Share your current loan details and we'll compare your rate against 30+ lenders within 24 hours. No credit check, no commitment.
We present clear, side-by-side comparisons showing your potential savings, cashback offers, and any costs involved. You decide what's right.
Once you choose, we manage the entire application, valuation, and settlement process. Most refinances complete in 3-6 weeks.
If you're on a fixed rate, early exit fees can be thousands of dollars. We'll calculate whether the savings outweigh the break cost before you commit.
If you only have a few years left on your mortgage, the upfront costs may not be recovered in time. We crunch the numbers so you know for sure.
Recent job changes, reduced income, or increased debt can affect approval. We assess your position first so there are no surprises.
If the difference is only 0.1-0.2%, switching costs might cancel out the savings. We'll be straight with you — sometimes staying put is the best move.
Not sure if refinancing is right for you? That's exactly what the free rate check is for. We'll give you an honest assessment with real numbers — no pressure, no hidden agenda.
不确定转贷是否适合您？免费利率检测正是为此而设。我们会给您真实数据和诚实建议。
Many lenders offer cashback deals that cover switching costs. Typical costs include a discharge fee from your current lender ($150-$400) and possible government fees. Steven Finance's service is free — we're paid by the new lender, not by you.许多银行提供现金返还来抵消转贷成本。常见费用包括原贷款机构的解除费（$150-$400）。Steven Finance 的服务完全免费——费用由新银行支付，而非您。
Most refinances settle within 2-4 weeks once your application is submitted. The entire process from your free rate check to settlement typically takes 3-6 weeks.大多数转贷在提交申请后 2-4 周内完成交割。从免费利率检测到最终交割通常需要 3-6 周。
A single refinance application has minimal impact on your credit score. We help you apply strategically with the most suitable lender, avoiding unnecessary multiple applications.单次转贷申请对信用评分影响很小。我们会帮您策略性地选择最合适的银行申请，避免不必要的多次查询。
Yes, though you may need to pay Lenders Mortgage Insurance (LMI) again. We'll calculate whether the long-term savings outweigh this cost. In many cases, rising property values mean you now have more equity than you think.可以，但可能需要再次支付贷款保险（LMI）。我们会帮您计算长期节省是否值得。很多情况下，房价上涨意味着您的净值可能已超过预期。
Not necessarily. Sometimes we can negotiate a better rate with your existing lender — known as a rate review or retention offer. We explore all options to find you the best outcome.不一定。有时我们可以与您现有银行谈判更低利率（利率审查或留客优惠）。我们会探索所有方案，找到最佳结果。
Typically you'll need recent payslips, bank statements, your current loan statement, and ID. Self-employed borrowers need two years of tax returns. Steven guides you through every step in English or Mandarin.通常需要近期工资单、银行流水、现有贷款账单和身份证明。自雇人士需要两年税务记录。Steven 会用中英文指导您完成每一步。
It takes 2 minutes to request your free rate check. No credit check, no obligation, no cost. Just real numbers and honest advice.