Better home loan rate
Looking for a better home loan rate in Australia? Discover how to compare, negotiate, and switch with confidence to save thousands. Your financial freedom starts with a competitive rate.
Better home loan rate
Looking for a better home loan rate in Australia? Discover how to compare, negotiate, and switch with confidence to save thousands. Your financial freedom starts with a competitive rate.
HOME LOAN
Why your current home loan rate might not be the best?
Even a once-great deal can become costly as lenders constantly update offers. Loyalty rarely pays, continuous comparison is key.
Lender loyalty tax: Banks often give new customers better rates.
Market shifts: RBA rate changes and competition create new opportunities.
Improved profile: A lower LVR or better credit score can unlock discounts.
Expert help: A broker via HeyNest can review the market and negotiate on your behalf.
Simple, Smart, Chill.
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Skip the paperwork. Connect with your broker online in minutes.
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Your Perfect Match
We link you with the expert who understands your goals.
Tailored Options
Access the best mortgage deals, hassle-free.
Key strategies to secure a better home loan rate
You can lower your rate by negotiating with your lender or refinancing with a new one.
Prepare to negotiate: Know your LVR, check your credit,and use competitor rates as leverage.
Explore refinancing: Switching lenders can reveal better rates, offers, and cashbacks. Brokers compare hundreds of options and simplify the process.
Refinancing, though sometimes perceived as complex, is straightforward with expert guidance. It’s a transaction that can drastically reduce your lifetime interest payments.
Stop Stressing: Why a Broker is the 'Smart, Chill' Way
HeyNest
Traditional Bank
Access to many lenders
Compares and negotiates the best market rates for you.
Dedicated, personalized guide every step of the way.
Only offers their own limited products.
Standard, often non-negotiable in-house rates.
Standardized service; often no single dedicated contact.
How an independent broker delivers a better home loan rate
Going to banks alone limits your options. Brokers work for you, not lenders. The broker's value lies in:
Market access: They have real-time data on rates and special offers across Australia, including deals not publicly advertised.
Negotiation power: Their industry relationships and volume of business give them the leverage to negotiate a lower rate (a better home loan rate) than you might achieve solo.
Expert Matching (HeyNest): HeyNest simplifies this initial step. We digitally match your unique profile and financial goals to the right, independent broker who specialises in your type of situation (e.g., complex income, investment properties, first home buyer).
Simple
Smart
Chill
Heynest
Find your ideal mortgage broker and unlock tailored home loan options without the hassle.
Frequently asked questions
What is the fastest way to get a better home loan rate?
The fastest way is typically by engaging an independent broker to compare the market and negotiate your deal, either with your current bank or a new lender.
Will refinancing cost me money?
Refinancing often involves fees (e.g., application or break fees), but the long-term interest savings often far outweigh the upfront costs, especially if you secure a much better home loan rate.
What is a comparison rate and why is it important?
The comparison rate includes the interest rate plus most fees and charges, giving you a truer, single figure for the loan's total cost. Always compare this rate, not just the advertised interest rate.
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