Fixed rate period ending soon?

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

A better deal awaits!

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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.

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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.

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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).

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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

I never thought the experience of financing a house could be made so easy! Andria and her team were amazing and kept us well informed through the whole process. Would highly recommend.

Dean Burley

Securing a mortgage was an absolute breeze with this lender. Smooth process, great rates, and excellent customer service. Highly recommend!

anonymous

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

David is amazing … he sure knows his stuff and is king of finance … he has done sooo many deals for us and for our clients who we refer and has never disappoint 💰💰💰💰 thank you David and Chez for being awesome , reliable , quick , and trustworthy

Yassamin McNair - Coronis

Mat and his team have been exceptional to work with. Making the restructure of our loans an easy transition. Would (& do recommend) them to anyone needing help with their finances.

Danielle Brown

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

Over the past 4 years we have used Matt and his team to purchase land and build our most recent house, organise finance for a car, and most recently, refinance to consolidate all of our debt. Every time we have dealings with Matt the process has been so easy and seamless and we have always been so confident that we are getting the best deal as well as having all possible scenarios covered. We will be lifelong customers and highly recommend the Happy Finance Company to anyone!! ⭐⭐⭐⭐⭐

Blair Megson

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

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

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

Mrs Rachael Wacker is so wonderful to work with. As a first time investor, I wasn’t completely sure of the process but Mrs Rachael Wacker helped me through it all and I made a profit of $6,500 with an investment of $500. He was also extremely helpful in coordinating the withdrawal process. I highly recommend Mrs Rachael Wacker to everyone looking to start up an investment. These are his contact details Email:[email protected]
WhatsApp +1 (971) 772-1286

Bercy Gumundai

We had the pleasure of dealing with David throughout our refinancing process and his service was nothing short of exceptional. From day one we were supported and kept up to date with excellent communication and follow up. David made the process easy and enjoyable, we would highly recommend his service!

Belinda May

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

Matt and his team at Happy Finance Company (special shout out to Cielo) are the absolute best mortgage brokers in Queensland. We are fist time interstate investors and Matt was able to give us honest, no-bs advice in EASY LAYMAN terms that helped us make the decision that was right for us. We have spoken to and worked with multiple brokers in the past and few compared to the communication clarity of Matt.
Cielo was also the reason why our property purchase was a stress-free experience. She absolutely went above and beyond, communication was top tier and reliable. Our settlement was during the busiest and chaotic December, which was delayed multiple times. Cielo definitely put in extra hours to ensure we were able to settle.
Thank you Matt, Cielo and team. We would highly recommend The Happy Finance Team for first home buyers and investors! We look forward to keep working with you!

Marco Susana D'Apichen

I’ve trusted Mat with my last 3 mortgages (both initial and refinancing). He is knowledgeable, trustworthy and always looks out for his clients. Mat and his team have made the daunting process of mortgages easy and transparent. He’s even gone above and beyond and answered questions and chased banks that weren’t even related to his mortgages. Thanks guys…here’s to a fourth mortgage!

Tina Tran

Matt and his team are super proactive and personable. I have full trust in Matt and know he will do everything within his power to help me achieve my property goals. Matt is extremely hard working. I am so thankful to have The Happy Finance Company as part of my property journey.

Bronwyn Gell

We highly recommend Matt and his whole team at the Happy Finance Company. The team we have had the pleasure dealing with are Ceilo, James, Phoebe and of course Matt and they have all been incredibly kind, warm and supportive on our investment journey. They are always extremely responsive and efficient in their advice and guidance. We couldn’t be happier with their service. Thank you so much to the Happy Finance Company.

Shivana Rajendran

Thanks for delivering a smooth financing process once again Mathew Crossley! We really do appreciate the regular updates that you and the team provided, it took the weight off our shoulders 🤩
Mat has organised the finance on at least five properties for us over the last 15 + years and it's great to see his knowledge and service is second to none each time. Our application was a little trickier, having a small business and trusts to factor in, but Mat took it all in his stride.
Thanks Mat!

Lauren McDonnell - Solicitor

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

Andrea, Rain, Vanessa and the rest of the happy finance company are fantastic, they answered all of our questions promptly and professionally and really went above and beyond with helping us to re mortgage recently as we wanted to release some equity. We have used them a few times over the years and wouldn’t hesitate to again. Thanks team for helping us to realise our dream of buying a camper trailer.

Emma Trumper

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

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In person - Milton/ Coorparoo areas, Brisbane

[email protected]

0428 916 485

MATTHEW GOODYEAR

Facetime