Fixed rate period ending soon?

Don't stick your head in the sand...

A better deal awaits!

GET STARTED

Is your home loan on a fixed interest rate that's about to end? Don't stick your head in the sand and do nothing! We're here to talk through your options and get you a better deal. At The Happy Finance Company, we believe in financial happiness and helping you make the best decisions for your future.

Understanding the end of your Fixed Rate

When your fixed-rate period is about to end, it's time to take stock of your financial situation. Here are your options:

1. Roll onto a Variable Rate with your current bank

This is the path of least resistance, but it might not be the most cost-effective. With rising interest rates in Australia, rolling onto a variable rate could mean higher monthly payments and more uncertainty in your financial planning.

2. Fix again with your current bank

This option provides stability in your monthly repayments, but with interest rates on the rise, locking in a new fixed rate with your current bank might not be as favourable as it once was.

AN ATTRACTIVE ALTERNATIVE IN TODAY'S CLIMATE

3. Refinance with a different bank - find the right fit for you

In a high-rate environment like the current one in Australia, refinancing your mortgage can be a strategic move to secure your financial well-being. Refinancing can offer:

Lower Interest Rates: Refinancing can often get you a lower interest rate than what you were paying previously, leading to substantial savings over the life of your loan.

Budget Relief: Lower rates mean lower monthly payments, easing your budgetary strain and freeing up funds for other financial goals.

Protection from Rising Rates: With rates on the rise, locking in a lower rate through refinancing can shield you from the potential future burden of higher rates.

Book your appointment

07 5422 4929

If you choose Option 3 (refinancing), you have two primary options:

Refinance to a variable rate

Initial Savings: Variable rates tend to be lower than fixed rates initially, which can lead to immediate savings on your monthly payments.

Flexibility: Variable rates can decrease if interest rates drop, providing potential savings in the future.

No Break Fees: Variable rates often have no break fees if you decide to pay off your loan early or refinance again.

Refinance to a fixed rate

Stability: Fixed rates provide a stable and predictable monthly repayment.

Budgeting Confidence: With a fixed rate, you can budget more accurately, knowing that your mortgage payment won't fluctuate.

Protection from Rising Rates: Locking in a lower fixed rate can protect you from future increases.

NOT SURE WHICH WAY TO GO?

Don't worry, we'll help you decide based on your individual circumstances.

What could your home loan repayments look like?

[qis]

Want to pay less each month on your home loan?

We search through thousands of loans to find the right one for you.

GET STARTED

Disclaimer: While every effort has been made to ensure the accuracy of this calculator, the actual results may vary depending on a variety of factors. This result is an indication only.

Why choose The Happy Finance Company?

Experience Matters

We have a wealth of experience navigating the Australian mortgage market, especially during times of changing interest rates.

Personalised Solutions

We understand that your financial goals are unique. Our team will work closely with you to find the perfect mortgage solution.

Savings and Simplicity

We'll handle the legwork for you, saving you time and potentially thousands of dollars over the life of your loan.

Ready to Secure Your Financial Future?

Don't let the end of your fixed rate catch you off guard. Contact us today to explore your refinancing options. Complete your details below and we'll be in touch within 1 business day.

(We promise your details will not be shared and we won't harass you with sales calls, but if you’d prefer to call or email us instead, you can reach us on 07 5422 4929 or admin@thehappyfc.com.au).

By submitting your information, you agree to our Privacy Policy.

Who are we?

We are The Happy Finance Company – 4 amazing Mortgage Brokers with 32+ years collective experience, who take your finances (but not much else) very seriously.

And we couldn't do it alone; we have a team of 20 amazing support staff behind us.

We are based in South-East Queensland but we have clients from all over Australia and on the other side of the world. So don't let distance sway you; we are awesome at what we do and can help you with your finances no matter where you live.

What our happy clients have to say about us

Thanks so much Mat and team for a such professional service with a great and friendly attitude.
Thanks to them I achieved the required refinance with a fantastic outcome! Lower rates and better product! I really appreciate their outstanding service. I highly recommend The Happy Finance Company to everyone!

Tatiana Oliveira

Emma and myself cannot thank Andrea and Josh enough for making the process of buying our home so much easier. Nothing was too much trouble for them, and we felt completely supported throughout the entire process. I would definitely recommend them to anyone. They were both professional and friendly. Thankyou guys! We are so happy!

Kelly Bridges

If you're in need of a mortgage broker who goes above and beyond, look no further than The Happy Finance Company. Five stars all the way! Twice we have had the pleasure of working with Andrea. We are beyond impressed with her exceptional service and expertise. From start to finish, Andrea was available to assist us with what we thought wasn’t possible and fought for us to achieve the best possible rates. Andrea's knowledge of the mortgage industry is unparalleled. She took the time to thoroughly explain every aspect of the mortgage process, ensuring that we fully understood the terms and conditions. Her ability to simplify complex financial concepts made us feel confident and informed throughout the entire transaction. A shout out to Josh also, he makes things happen! Thanks guys.

Loren Egan

I don't normally post reviews but Mat was truly exceptional in an environment where trust is key. Mat was patient, always available to answer questions and met our needs exactly. He has been a true partner in two purchases, navigating complexity with ease and taking the time to lay it all out. Highly recommend his approach and his whole team.

Weston Bruner

If you're in need of a mortgage broker who goes above and beyond, look no further than The Happy Finance Company. Five stars all the way! Twice we have had the pleasure of working with Andrea. We are beyond impressed with her exceptional service and expertise. From start to finish, Andrea was available to assist us with what we thought wasn’t possible and fought for us to achieve the best possible rates. Andrea's knowledge of the mortgage industry is unparalleled. She took the time to thoroughly explain every aspect of the mortgage process, ensuring that we fully understood the terms and conditions. Her ability to simplify complex financial concepts made us feel confident and informed throughout the entire transaction. A shout out to Josh also, he makes things happen! Thanks guys.

Loren Egan

If you're in need of a mortgage broker who goes above and beyond, look no further than The Happy Finance Company. Five stars all the way! Twice we have had the pleasure of working with Andrea. We are beyond impressed with her exceptional service and expertise. From start to finish, Andrea was available to assist us with what we thought wasn’t possible and fought for us to achieve the best possible rates.

Andrea's knowledge of the mortgage industry is unparalleled. She took the time to thoroughly explain every aspect of the mortgage process, ensuring that we fully understood the terms and conditions. Her ability to simplify complex financial concepts made us feel confident and informed throughout the entire transaction.

A shout out to Josh also, he makes things happen! Thanks guys.

loren egan

I couldn’t recommend Andrea and Rain more. They were so reliable, so professional and so approachable. They helped make a very overwhelming and stressful time extremely manageable and we couldn’t thank them enough. Highly, highly recommend the Happy Finance Company

Myra Custer

Mat (with one T) from the Happy Finance Company has helped me on a number of occasions over the past few years. Since being introduced to him he has always been able to offer honest and professional advice and options regarding my finance queries.

He has delivered above my expectations and has always been able to present multiple options and advise not only for the short term but long term benefits and negatives around selecting products.

I would highly recommend Mat and the Happy Finance Company for anyone looking whether for a one off, or for a long term partner for their finance journey.

Thanks Team!

Joshua Allen

I have worked with Andrea and her team as a young first time buyer and have always reached out for their expertise throughout the last few years. So much gratitude for what they do, easing all stresses in what many considers a stressful (and exciting) process, they take their time to explain everything clearly and go beyond what's required to provide you with great service and offering. Andrea will always be the first point of contact for me for any mortgage inquiry! Personable approach and friendliness is second to none. Thank you so much team.

Sabrina Poon

Andrea has been an excellent broker! She’s professional, knowledgeable, patient, and always responsive. She guided me through the entire home loan process smoothly and stress-free, delivering the best outcomes.
I am grateful for Andrea and her team! Highly recommended!

Marzieh Monfared

They are really professional and trustworthy brokers who could provide you the best solution in very short time. My husband and I are very happy with their recommendations. They are indeed experts in their area and you can always get a satisfied answer from them in solving your financing needs.

Siyuan Huang

Mat and his amazing team helped us in multiple occasions, always providing excellent service and communication. Mat is very knowledgeable and will be able to advise the best strategy and suitable options to get the finance across the line. I highly recommend Happy Finance for anyone seeking a trustful, fantastic mortgage broker.

Gabriel Boni

I would recommend these guys 100 times over and if I could give David 10 Stars I would, best communication and extremely high level of customer service.

Brendan Moss

Highly recommend Matt and the team at Happy Finance Company. They go above a beyond in their service They are friendly and down-to-earth yet very professional and experts in their field. We will continue to use them for future financing.

Glen Fludder

Andrea got in contact with me after I had left a message about wanting to find a competitive rate for my mortgages. Andrea was extremely knowledgeable about the different products on the market and gave me some great advice about how best to proceed. Whilst I did not end up using the Happy Finance Company, as I decided to stay with my existing bank, I would confidently recommend their services to others. Thanks Andrea!

Ben Donovan

I have relied upon David's support through the purchase of 3 properties now (the most recent being through The Happy Finance Company), and I wouldn't look anywhere else! The service is 10/10, there are no silly questions, and I always know exactly where we stand and what is required. I couldn't recommend them more highly!

Shelby Lindsay

Wow amazing. You knocked me off my feet! I’m humbled and grateful. I invested $400 with Mrs
MORRIS BERTHA
to see what trading online was like. A week later i withdrew a profit of $5,200 and then I really saw
how much you can earn from the markets.
I now invested $1000 and gain $15,521 a week, God bless her for me, she is trust worthy and i
recommend her to everyone or anyone that want financial freedom
whatsapp:+1 (669) 304-2828
Email :[email protected]

Daniel George

Mat with one 'T' made my purchase easy. He helped me with every step and beyond. The quickest transaction as well. Mat and his team got me my home!! Thank you for making me feel safe and empowered along the way.

Donna Turner

Matt helped me buy my first home in such record time! All though we were waiting for a while to hear back from the bank I had complete trust in the process and complete trust in Matt's work. I am so happy with my loan, and I will definitely use Matt again in the future and totally recommend him, he made it feel so easy for me! Thank you so much!

Georgia Lombardi

If Carlsberg did mortgages, it'd probably be the best in the world. Infinitely Happy with the HFC making complicated things easy! Thanks yet again Mat and the team

Helen Holcroft

Disclaimer: The information provided herein is for general guidance only and does not guarantee whole approvals with any bank or lender. Interest rates may be subject to change and are dependent on the borrower’s creditworthiness and other factors. All loans and processes are also subject to terms and conditions set by the lender.

ANDREA PALELLA (O'SHEA)

Facetime

In person - Inner Northern Suburbs, Brisbane

[email protected]

0438 323 983

MATHEW CROSSLEY

Facetime

In person - Milton/ Coorparoo areas, Brisbane

[email protected]

0428 916 485

MATTHEW GOODYEAR

Facetime