Consumers are smarter than ever and technology is delivering more information than at any time in history. This is creating awareness that lenders are not on their side and that better rates and structures probably exist. Having the time to act on this information is usually another story!

The term 'rate drift' is real and whilst the loan you took with your current lender was likely to be among the best in the market at the time, there might be significantly lower rates available elsewhere today. Speak to us as we can often help you achieve a lower rate with your current lender, and without any need for change. We have helped clients save hundreds of thousands of dollars over the years.

In 2021 we helped our clients secure interest rate discounts that delivered more than $100,000 of savings. this was achieved without having to change lenders or touch their existing lending structures. We also helped many more existing and new clients secure huge savings by switching to a new lender. As we rapidly move into an economic environment of rising interest rates, having a Broker on your team who monitors your interest rate and acts on your behalf will be very important.

We provide anyone who asks with scripts and processes to receive a lower rate at their current lender. This is not just 'please, may I have a discount'. We have proven methods for achieving rate reductions at most lenders and importantly, we understand their retention processes.

Understanding exit and entry costs for a refinance is very important. We provide our clients with a detailed analysis of this with any recommendation to ensure full transparency. If switching is not viable we won't recommend it!

How much can you save by refinancing?

Use our refinancing calculator to determine how much you can save by switching to a new rate.

"Bower & Co's systems speed up the process"

"Karl and his team have done a great job in assisting with both obtaining an initial home loan and potential refinancing. He made the whole process of buying a new house much less stressful by taking the time to explain all financial options available to us. Bower & Co's systems also speed up the process and make for a more streamlined experience. Karl has been personable, helpful and professional throughout. I would have no hesitation recommending Karl."



Level 2/ 161 Collins St,
Melbourne VIC 3000

1-7 / 2563 Gold Coast Highway,
Mermaid Beach QLD 4218