For clients we have already helped, and anyone with a home loan
Is your home loan still a good deal? Let us check.
Rates move, lenders change their offers, and the loan that was right when it settled is not always right two years later. Tell us what you are paying and we will check it against 35+ lenders, starting with asking your current lender for a better rate. It takes about ten minutes on the phone and costs you nothing.
Why bother
Lenders save their best rates for new customers
Most lenders quietly move existing customers onto a higher rate than the one they advertise to win new ones. The gap is usually small on paper and large over a year. If your loan settled more than a year or two ago, there is a fair chance you are paying more than a new customer at the same bank.
The first fix is often the simplest: we ask your lender to match their new-customer rate. Lenders do this more often than people expect, because keeping you is cheaper for them than replacing you. If they will not, we know which other lenders would take the loan and what it would cost to move.
A review also catches the things people forget about: an interest-only period about to end, a fixed rate about to roll onto a higher variable rate, an offset account nobody is using, or a loan set up in a way that makes the next property harder to buy.
- We ask your current lender for a better rate first, so you may not need to move at all
- If a switch is worth it after the costs, we show the numbers and do the paperwork
- No credit check and nothing lodged unless you decide to go ahead
Rated 5.0 from 27 local reviews
Twenty years inside Australian banking, including senior roles at ANZ, before starting Exceed Finance. Plain answers, no pressure.
The numbers that matter
At a glance
General information only. Whether a switch saves you money depends on your loan, the fees to leave and the fees to start, and your full situation has to be assessed. Our service is free to you on residential home loans and everything is disclosed in writing.
Simple from start to finish
How the review works
Ask us to call
Your name, your mobile and when suits. That is the whole form.
A 10-minute call
We ask what you are paying, how the loan is set up and what you plan to do next.
We check
Your current lender first, then the rest of our panel. You get a plain answer: stay, negotiate or move.
You decide
If moving is worth it, we handle the switch. If not, you have lost ten minutes and gained peace of mind.
Start here
Ask us to call you
Your name, your mobile and when suits. Shaheera rings you and does the review on the call. If you would rather pick a time, the calendar is on the booking page.
Have Shaheera call you
Your name, your mobile, when suits. Nothing else to fill in.
Done. Shaheera will call you as soon as possible.
She calls from 0452 560 098, so save the number. If you would rather pick a time instead, the calendar below still works.
Or call, text or email us
- 0452 560 098
- WhatsApp 0452 560 098
- shaheera@exceedfinance.com.au
- 14/260-276 Abbotts Rd, Dandenong South, VIC 3175
- We answer the phone 8am – 8pm weekdays, 8am – 4pm Saturday
Common questions
Questions we get asked a lot
What happens in a loan review?
We look at the rate you are paying now, the fees, how the loan is set up, and what you plan to do next. Then we check it against what is available across 35+ lenders, including asking your current lender for a better rate. If staying put is the right answer, we say so. If moving would save you money after the costs of switching, we show you the numbers and handle the switch if you want to.
Does it cost anything?
No. The review is free to you, and so is our service on residential home loans. Everything is disclosed in writing before you commit to anything.
Will you check my credit file?
No. A review is a conversation and a comparison. A credit enquiry only happens if you decide to go ahead with a new loan and an application is lodged, and we do not lodge anything until you have chosen to.
I am still with the lender you set me up with. Is it still worth a look?
Usually, yes. Lenders give their best rates to new customers, and the rate you were given at settlement drifts up over time. Often the first step is simply asking your current lender to match what they offer new customers, which we can do for you. If they will not, that is when a switch starts to make sense.
What should I have ready?
Nothing for the call. If you want to make it quicker, your most recent loan statement or your online banking open so you can read us the rate and the balance.
My fixed rate is about to end. What should I do?
Get in touch a couple of months before it ends. When a fixed period finishes the loan usually rolls onto a higher variable rate. Reviewing it before that happens gives you time to fix again, switch, or negotiate, instead of paying the higher rate while you decide.
Will talking to you affect my credit score?
No. A conversation with us, and the work we do comparing lenders, involves no credit check. A credit enquiry only happens when an actual application is lodged with a lender, and we do not lodge anything until you have chosen to go ahead. The point of doing the work first is so that the application that does go in is the right one.
Ten minutes could change what you pay every month
Ask us to call, or call us. If your loan is already a good deal we will tell you that too.