Home Lending
Lenders reserve their sharpest offers for new customers. If your loan is a few years old, a review costs nothing and regularly pays for itself.
Who this is for
Worth weighing
How Ascent helps
Your loan compared against the market — including what your current lender would offer to keep you.
Switching costs calculated before any recommendation. If the numbers don’t stack up, we say so.
Sometimes the right answer is negotiating with your existing bank — and we’ll make that call for you.
The process
A no-obligation discussion about where you are and where you’re going — in person in Melbourne, or online.
Your full picture gathered once, options compared across the panel, and a clear plain-English proposal: the loan, the structure, the costs, and why.
We prepare, submit and manage the application, handle lender requests, and keep you informed at every stage.
Coordination through to settlement, then ongoing reviews so the loan keeps earning its place.
Lending is subject to eligibility, lender criteria and credit assessment.
Paperwork
Don’t worry if something’s missing — we’ll work through it together.
Questions
Typical costs include a discharge fee from the outgoing lender, government registration fees, and sometimes application or valuation fees with the new lender. Fixed-rate loans can carry break costs. We calculate the full switching cost for your loan before recommending any move.
A refinance application creates a credit enquiry, like any loan application. A single considered application is very different from many scattered ones — part of our job is applying once, to the right lender.
Sometimes, subject to eligibility and lender policy. Rolling short-term debts into a long-term loan can lower repayments but increase total interest over time — it needs honest modelling, which is exactly what we do before recommending it.
Information on this page is general in nature and does not take your objectives, financial situation or needs into account. Lending is subject to eligibility, lender criteria and credit assessment. Terms, conditions, fees and charges apply.
Enquire
A review costs nothing. Staying expensive does.