PO Box 222, Kippax Fair Shopping Centre,
Holt ACT 2615
Refinance
Refinancing & Rate Review
Stop Paying the “Loyalty Tax”.
Banks rely on you being too busy to switch. We run the numbers to ensure your loyalty isn’t costing you thousands every year.
The "Algorithm" Health Check
We don’t guess. We calculate. By comparing your current loan against 30+ lenders, we identify exactly how much you could save.
- Lower monthly repayments
- Unlock equity for renovations
- Switch to Fixed or Variable based on data
Drowning in Bad Debt?
Consolidate it.
Personal loans, car loans, and credit cards have sky-high interest rates (often 12% – 20%).
The Strategy: When we refinance your home, we can often roll these smaller debts into your mortgage. This drastically reduces your interest rate and can lower your total monthly outcome by hundreds of dollars.
Note: This turns short-term debt into long-term debt, so we help you set up a plan to pay it off faster.
How to Switch (Pain-Free)
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01
Review
Send us a recent loan statement. We check your rate against the market.
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02
Select
We present you with the top 3 options that save you the most money.
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03
Switch
We handle the discharge forms and new application. You just sign.
Did you know? Existing customers often pay 0.5% – 1.0% more than new customers.
Your Interest Rate is NOT Set and Forget.
If you haven't reviewed your home loan in the last 24 months, you are likely paying more than you need to. Banks slowly creep rates up or offer better deals to new clients while leaving loyal customers on higher rates. We keep them honest.
Solving the lending puzzle.
We do the math. You get the keys.
© 2025 Algorithm Finance. Credit Representative Number: XXXXXX. Disclaimer: Your full financial situation will need to be reviewed prior to acceptance of any offer or product.