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Get a better deal

Refinancing your home loan.

We’ll compare 60+ lenders to find you a more competitive loan in minutes.

Compare & Save - it's free and easy.

If you’re looking to compare home loans, then you’ve come to the right place. With over 25 years’ experience and access to 60+ lenders, we know we can find you a better deal – or the coffee’s on us!

3 Simple Reasons to Compare loans & Refinance.

1. Save dollars.

With our experience and industry software we’re sure to find you a better deal and it’s simple with access to 60+ lenders under one roof!

2. More Money.

Increase your existing loan for a renovation, a holiday, a car or ‘whatever’ - then that’s a perfect time to compare as many loans as possible to find the best loan for yourself.

3. Lower Repayments.

If you are finding your monthly budget stretched, then it’s an excellent time to compare loans, and then consolidate all your debts by refinancing to one better loan and reduce your monthly interest bill and create more cash for living!

Our loan comparison and refinancing service is completely free of charge, so you’ve got nothing to lose, and lots of potential savings to unlock. We’ll compare all the home loan options available to you and discuss them in detail to make sure you understand exactly what’s on offer. As a family business, we put care, integrity, and compassion into every interaction with our customers, helping them save money and get more out of life.

Make it easy and talk to Multi-Choice today.

Look at the $ Savings of refinancing your home loan.

There are hundreds of loan options to choose from, each with different interest rates, fees, features, and repayment options. At Multi Choice, we find that on average we save our clients approximately $10 000 over 3 years.  However, with a bank cashback that figure can change to $10 000 in the first year, depending of course on the cashbacks on offer at the time of application.  Just the other day we managed to save one of our clients $80 000 in the first year because the client had originally taken out a very high interest loan to secure an expensive property from one of the non-bank alternative lenders in order to secure the property he had purchased.

Here is an example of the value of a small drop in the interest rate.

Previous Rate.
New rate.
Reduction.
Monthly savings.
Annual Savings.
Total Savings.
Loan Balance
$600,000
$600,000
Interest rate
6%
5.20%
0.80%
Repayment pm
$3,597
$3,295
$302pm
$3624pa
Total interest paid
$695029
$586,079
$108,950

So, a simple rate reduction of 0.8% on a loan of $600,000 will give you a saving $108,950 over the term of the loan.  Besides that, you also get a reduction in your repayments every month!

You can use our loan comparison calculator to see how the numbers stack up between two loans or talk to us and we’ll put you on the right track to getting the best deal. Our software gives us quick access to loan information from more than 60 lenders, so we can compare all the loans and show you the exact savings you could be making.

Sharyn at Multi Choice is a Magician!! As a single Mother to 3 children, newly separated and needing to re-finance my property solely in my own name it was an almost impossible task to find a finance institution that would even look at me. Sharyn made the impossible seem not so and believed in me and my abilities to finance my home. Where other brokers failed, Sharyn succeeded. We got an approval the first time round. I am forever grateful to Sharyn and Multi Choice for believing in me when no one else did.

Samantha Williams

I have settled a number of loans through Tracy and have had a very high level of professionalism, customer care, promptness and exellent communication to meet my needs and circumstances. She has always been accommodating and full of knowledge of options to satisfy my situations. I have great respect for her service quality.

Ganeshan Rao

I have settled a number of loans through Tracy and have had a very high level of professionalism, customer care, promptness and exellent communication to meet my needs and circumstances. She has always been accommodating and full of knowledge of options to satisfy my situations. I have great respect for her service quality.

Ganeshan Rao

I have settled a number of loans through Tracy and have had a very high level of professionalism, customer care, promptness and exellent communication to meet my needs and circumstances. She has always been accommodating and full of knowledge of options to satisfy my situations. I have great respect for her service quality.

Ganeshan Rao

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Easy as 1,2,3!

How to get your best loan approved.

1

Get in Touch.

No commitment. No cost. Just one easy call.

2

We’ll do the research.

Once we know your objective, we’ll do all the research and heavy lifting to find the best solution for you.

3

You’ll get approved.

We’ll discuss your options with you, offer our advice, and when you’re happy we’ll get your loan approved.

Excited Parent
The Best Rates, Guaranteed!

Why use a Multi Choice broker?

Whether you’re buying your first home or building a portfolio of investment properties, talking to a Multi-Choice mortgage broker is a great way to make sure you’re getting the best deal for your situation. And as a completely free service, you’ve got nothing to lose – and a whole load of savings to gain!

1

Better loans.

With decades of experience and industry software on our side, we’re sure to find you a better deal on your loan. We give you access to 60+ lenders under one roof and we compare them for you.

2

Better success.

Over 70% of borrowers use a broker because it’s better doing all your shopping under one roof!  Getting expert advice makes it easy to choose the right lender and get your loan approved first time!

3

No stress.

Putting all the research and paperwork in our hands makes everything easier for you! We’ve been doing this for over 25 years, so we know the application process inside and out.

We’ve been helping

home owners refinance

for over 25 years, and we're good at it!

15K
Loans settled
Australia wide
$5B
In loans
settled
60+
Lenders to
choose from
100%
Completely free
service
Don’t Take Our Word For It

See what other

refinance clients


have to say about our service.

It’s hard to find a trustworthy broker that will work in your best interest. Tracy is very thorough, and experienced and would recommend to anyone needing refinancing or purchasing a property.

Stewart Burns

Tracy has been amazing helping us through the purchase of our first home and then refinancing 2 years later. Tracy goes the extra mile and you can always expect a high level of expertise and a quick response. We have really appreciated her attention to detail and won't think twice about using her in future!

Tihana Turner

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We have been using Matt for many years after he was referred to us by close friends and its been a pleasure dealing with Matt ever since. Matt's knowledge in this field is amazing and we know we can rest easy knowing that Matt has everything sorted.

Scott Gibson

Dan and Melissa helped us with our refinance. They guided us through the whole process, took the time to explain our options in detail and made it a seamless experience. We are happy with the friendly and efficient service we got, would highly recommend!

Rebekah Yun

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Not keen on changing banks?

We’ll negotiate a better rate for you with your existing lender, making great savings easier.

Calculate your potential savings

Get started with our easy-to-use mortgage calculators.

Our handy calculators can help you to explore multiple options in just a few clicks. Check out our most relevant calculators for buying your first home below or

view all our calculators.

Borrowing
Calculator.

Find out how much you can borrow and what type of property you can afford.

See what you can borrow

Repayment
calculator.

Find out what your minimum home loan repayment will be.

Calculate repayments

Stamp Duty
Calculator.

Find out how much stamp duty you can expect to pay on your new property.

Calculate stamp duty

Budget
Planner.

Find out how much you need to budget to keep up repayments and save for the future.

Plan your budget
Your Questions Answered

Frequently asked questions

Here are some of the most common questions that people ask about our services and how working with a mortgage broker can help them. Can’t find what you’re looking for? Get in touch and we’ll be happy to help.

Why should you use Multi-Choice when refinancing or comparing loans?
Close FAQOpen FAQ

With so many different mortgage products available on the market from such a wide variety of lenders, manually comparing loans is extremely time consuming and confusing. 

Using an experienced mortgage broker when comparing loans and refinancing your property allows you to benefit from better deals, independent advice, and guidance every step of the way, all while minimising the amount of effort on your part. At Multi-Choice, we do all the hard work for you, improving your chances of success and getting your loan approved. 

Here are 10 Good reasons why you should always use an experienced mortgage broker.

1. We’ll compare the loans for you, and we’ll get you a better deal.

Whether we negotiate with your existing lender or compare all the loans in the market with specialised broker software, getting a better deal is a whole lot easier with professional expert help.

2 . It’s a free service and it’s also independent advice.

Because the bank pays us a fee, the borrower gets great advice, assistance, and knowledge from a credit professional to guide them through the process without having to pay anything and without the hassle of trying to do it all on their own.

3. The Broker does all the work! 

The broker does all the loan searching, then the paperwork and then all the running around to get your loan lodged and approved by the lender.  

4. It’s so Simple! 

Multi Choice Mortgage Brokers make selecting the right loan from over 60 different lenders so easy and the borrower gets a sophisticated choice of lenders that they might never have heard of.   

5. It’s far less stressful.  

Multi Choice brokers will remove the stress of dealing with lenders who over promise and under deliver!  When lenders offer large cashbacks and other special offers, they start experiencing workflow issues due to increased loan volumes which can delay the process considerably and be highly frustrating for any borrower. 

6. We will greatly improve your chances of success of having your Loan Approved. 

Because of their many years of experience of working with the different lenders and their knowledge of the different bank policies, they know where best to go to get your Loan Approved!

7. Our service is guaranteed because all our mortgage brokers are licensed. 

All our clients are protected by ASIC and AFCA from the potential of receiving bad loan advice and an inferior loan.  

8. Our Multi Choice Brokers are always accessible.

They are easy to find, easy to talk to, and happy to please because your success is their success as they only get paid if your loan is approved and settled!

9. It has long term benefits.

Our brokers do annual reviews for their borrowers and continually keep the borrowers on the lowest interest rate possible by regularly renegotiating the interest rate with the lender. It’s also comforting to know that when you need an extra dollar, your broker has all your info on hand. 

10. We offer free, independent, and expert advice and guidance. 

Our experienced mortgage brokers have an excellent understanding of the process involved when acquiring property, which means that the borrower gets invaluable advice and the much-needed help in understanding what to do when purchasing and financing property. 

Talk to a home loan expert today and see how we can help you find the best deal for your circumstances.

Do I have to change lenders to save money?
Close FAQOpen FAQ

Not always, but you do have to do some shopping and negotiating! 

Banks have many clients on their books who are paying way over the average rate that is being charged to their other clients.  The reason is that the clients never ask!  As the saying goes, “the squeaky wheel gets the oil”.

The best way to approach your bank for a better loan is, however, through your mortgage broker.  Because when our Multi-Choice mortgage brokers approach your current bank on your behalf, they are armed with the right information about alternative loan options and special cashback offers from lenders with similar loans to the one that you have. And when the bank gets an email instruction from a broker, they tend to negotiate, because the bank knows that if they don’t match the request from the broker, the broker will refinance their client’s loan to another lender.

Our strategy at Multi-Choice, is always to approach the existing lender first for their best deal.  Then we take that offer and compare it with other best offers on the market.

You can use our loan comparison calculator to see how the numbers stack up between two loans or talk to us and we’ll put you on the right track to getting the best deal. Our software gives us quick access to loan information from more than 60 lenders, so we can compare all the loans and show you the exact savings you could be making. 

How much could I save by switching loans? 
Close FAQOpen FAQ

There are hundreds of loan options to choose from, each with different interest rates, fees, features, and repayment options. And with so many options, it’s not that difficult to find a better deal. But you do have know where to look!

At Multi Choice we find that on average we save our clients approximately $10 000 over 3 years.  However, with a bank cashback that figure can change to $10 000 in the first year, depending of course on the cashbacks on offer at the time of application.  Just the other day we managed to save one of our clients $80 000 in the first year because the client had originally taken out a very high interest loan from one of the non-bank lenders in order to secure the property he had purchased.

As discussed previously, a simple rate reduction of 0.8% on a loan of $600,000 will give you a saving $102,060 over the term of the loan.  Besides that, you also get a reduction in your repayments every month!

You can use our loan comparison calculator to see how the numbers stack up between two loans or talk to us and we’ll put you on the right track to getting the best deal. Our software gives us quick access to loan information from more than 60 lenders, so we can compare all the loans and show you the exact savings you could be making. 

What are the benefits of refinancing?
Close FAQOpen FAQ

Regularly assessing the home loan market is both prudent and smart, because the total saving over the life of a home loan could be enormous. 

 Here are a few reasons why you should regularly compare loans:

  • Save money, (and give the extra savings to your kids, not the bank!)
  • It’s also a great way to reduce your repayments and ease your budget if required, or 
  • To access equity in a property for renovations or landscaping, or 
  • Fund other property purchases, or
  • Purchase a vehicle or a boat, a caravan, or a motorbike.
  • Change in personal circumstances - different loans suit different stages of life.  
  • It’s totally FREE to compare because we don’t charge a cent, and
  • We will do all the work for you.
How to get a discount off your current home loan?
Close FAQOpen FAQ

While lenders offer standard home loan rates to most customers, it’s possible to access special discounted deals if you know where to look and what to say!

Getting BIG discounts on your loan.

Here are some of the ways that our mortgage brokers will assist you to achieve a special deal with the lowest rate possible from a large, diversified group of over 60 of the most popular lenders in Australia.  Discounting lenders’ rates is all about negotiation and the borrower who is in a strong position has the greatest opportunity for a large discount. Here are some of the criteria used in negotiating a better rate.

1. Reduce your LVR (Loan to Value Ratio)

Loans with high LVR’s are riskier business propositions for the lenders and therefore, they penalize them. Because loans with an LVR < 80% achieve the greatest discount offers, our mortgage brokers might talk to you about better ways to structure your loans. 

2. Larger loans achieve the greatest discounts

Once we have analysed your personal financial circumstances, we might suggest that we bundle some of your loans together to put the strongest argument to the lenders when negotiating your deal. Lenders do have cut-off benchmarks that we loosely work around.

3. Good and reliable income with ample affordability

The borrower who is cashflow strong is a low risk and therefore a desirable customer to any lender. Structuring your application well, particularly for the self-employed borrower, and approaching the right lenders gives you your best opportunity for a better loan offer.

4. Special offers

Multi Choice Mortgage Brokers are kept up to date with special offers made by lenders who are looking for extra business. Lenders all have different cashflow cycles just like any business does. Therefore, their propensity for larger business volumes rises and falls with their own supply of funds. When short of funds their rates remain within market standards. When over supplied they are more than happy to offer discounts that outweigh their competitors to win the business. The key is to get the largest possible discount and have it locked in for the life of the loan.

5. Check your credit report

Make sure nothing incorrect is on your credit file which could see you miss out on the best possible deal. Reports are available for free from credit reporting agencies, or you can give us a call and we will have it checked for you. Most lenders analyse new loan applications with a credit scoring system which leaves you no room for negotiation if your track record for previous loans is not great. Errors also occur quite often through the telcos and department stores which obviously reflect negatively on credit reports, so it is a good thing to have your credit file checked before you make application for a loan.

6. Be prepared to walk

Banks try and win new business by offering their largest discounts to new borrowers whilst hoping that their existing clients are too lazy to move. Sadly, they are historically and statistically right! Not that we are all lazy in our everyday busy lives, but rather it is the inertia of change with the perceived hassle that goes along with that change. But if you are not prepared to walk you will not get your best deal because the lenders hold out and hold on. So, make your bank share their love, or break up! Let our experienced team of mortgage brokers do all the bank negotiating and haggling, that way it stays unemotional for you whilst the job gets done! 

7. Negotiate

With such a large choice of lenders to choose from and our knowledge of the better home loan rates in the market, the Multi-Choice Mortgage Broker is able to negotiate better rates for our clients.  At Multi-Choice our mortgage brokers do this negotiating every day for each loan we put forward to the lenders on a case-by-case basis, which forces the lenders to compete and put their best foot forward to win the business in a silent auction type process. That’s exactly how we achieve the best results for all our clients.

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