Stuck on a rate that’s costing you thousands?
We compare your loan against 40+ lenders and show you what you could save — after fees — before you decide anything.
Takes 60 seconds. A broker calls you with your numbers. Free, no obligation.
- Checking your options won’t affect your credit score
- Real brokers, not a call centre
- See your options before you switch
Watch · 2 min
See what you could save
Takes about 60 seconds. A Finbay broker reviews your answers and calls you with your options — no obligation.
Finbay Group Pty Ltd t/a Finbay Capital, Credit Representative 461520, is authorised under Australian Credit Licence 389328.
Four signs it’s time to refinance
If any of these sound familiar, a quick health check could save you real money.
Loyalty tax is real
Banks often reserve their best rates for new customers. If you haven’t checked in over 12 months, you’re probably overpaying.
Break costs & exit fees
We calculate the real cost of switching upfront, so you know exactly what you’ll save after fees.
Fixed rate about to expire
Rolling onto a lender’s standard variable rate can be expensive. We help you lock in a better deal before it happens.
Equity sitting idle
Refinancing can also unlock equity for renovations, debt consolidation or your next investment.
Switching lenders, without the stress
The same process behind every Finbay client, tuned for refinancing.
Discovery
We map your financial position and what you’re trying to achieve, no jargon, no pressure.
Research & strategy
We compare your options across our 40+ lender panel and build a tailored strategy for your situation.
Approval
We manage the paperwork and liaise with the lender directly to keep your approval moving fast.
Settlement
We manage the discharge of your old loan and settlement of your new one, so the switch happens smoothly with no gaps.
Ready to see how much you could save?
Hey, I’m Scott
Founder & Managing Director: Built on Strategy, Integrity & Real Outcomes
We’ve helped countless clients secure home loans, business loans, and asset finance with tailored strategies, and I’ve vowed to donate $25 from every loan to the Mark Hughes Foundation in honour of my father.
Backed by a Dedicated Mortgage Specialist
Alongside me, Stuart Perry works closely with clients across the full property journey — from first home buyers to seasoned investors — bringing a decade of relationship-driven experience to make sure nothing falls through the cracks from application to settlement.
20+ Years of High-Level Experience in Finance & Risk
Decades spent in asset finance and credit environments means I’ve seen every lending scenario under the sun. Clients love knowing they’ve got someone who can spot problems before they happen and steer them safely through the process.
Free to check, no obligation to proceed.
Real results, real Finbay clients
Genuine reviews from our Google Business Profile.
“I had a great experience with Finbay Capital. Scott was amazing and extremely helpful throughout the entire process. He made everything clear, easy to understand, and was always available to answer any questions.”
“Scott is honestly on another level. From start to finish, he made the whole process smooth, stress-free, and actually enjoyable, something I never thought I'd say about dealing with finance. No confusion, no runarounds, just honest advice.”
“Scott was absolutely outstanding and so helpful! Not only is he a brilliant broker but he's an awesome financial strategist. He takes the time to explain the options available to help you think outside the box, with no pressure attached.”
“Scott was exceptional from start to finish. Professional, knowledgeable and incredibly efficient, he made the entire process feel seamless and well managed. His communication was clear and consistent throughout.”
Free to check, no obligation to proceed.
Refinancing, answered
Plain-English answers to the questions we hear most.
Still on the wrong rate? Let’s find out what you could save.
Free to check, no obligation to proceed.