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

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

anonymous

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

Matt and the team at Happy Finance are truly amazing. We’ve used them several times and will continue to do so. They are always patient, attentive and genuinely caring, explaining things simply, and always having time for us. The entire process is made smooth and stress free. Can’t recommend them enough!

Jonathan Lowe

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

I rarely leave a review, but I can't recommend Mat and his team enough.

They've made the whole process so much easier and more transparent compared to my previous experiences without them.

Their communication is exceptional; I always felt in control and informed enough to take timely action.

I would definitely choose them again as my brokers for my next property purchase, and you should too.

Thanks, Mat, April, and Yannie, for your support!

Raymond Hieu Tran

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 rarely leave a review, but I can't recommend Mat and his team enough.

They've made the whole process so much easier and more transparent compared to my previous experiences without them.

Their communication is exceptional; I always felt in control and informed enough to take timely action.

I would definitely choose them again as my brokers for my next property purchase, and you should too.

Thanks, Mat, April, and Yannie, for your support!

Raymond Hieu Tran

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

We have dealt with David several times over the years and he has always been able to deliver a high level of service and products. We would absolutely recommend him to friends and family and will continue to use him for our lending needs.

Cassandra Saab

Mat Crossley has been absolutely outstanding through our whole buying process. From the beginning, we were so at ease with his immense knowledge and efficiency in helping us reach our goals. It has been a long process for us and Mat has always been supportive and kept us up to date about everything going on with our applications and what was coming up next. We are looking forward to our continued partnership with Mat as we start our house build. We would use Mat again and again! Thank you Mat you are amazing!

Emma Biggs

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

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

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

I would recommend these guys 100 times over and if I could give David 10 stars I would. They have the best communication and extremely high level of customer service.

Brendan Moss

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

I understand how cliché this paragraph will sound for a review, but I actually can’t recommend Andrea and the team highly enough, or anyone else that’s closely comparable in not just what they offer, but more importantly, what they deliver. I first came by Andrea through a reputable and respected Real Estate agent in 2015. Since then, Andrea has not only created brilliant work with efficiency and speed, it’s backed up with execution (all highly desirable attributes in this field of work), there has also been occasion where she’s saved some deals that were on the brink of loss (deals initially setup elsewhere, only to fail at the eleventh hour. This is where Andrea was introduced to me and came to the rescue). I might also add, that all the work we’ve done, then and since, has been over the phone, and interstate. We’ve not yet met in person, though this shows the assurance and trust she’s equipped with. And with the new venture into The Happy Finance Company, I’ve been fortunate enough to experience the teams A grade work once again in 2021 (and again this year 2022, facilitating a property purchase for a family member). The work is very personalized, and understanding of each clients situation. They’re much more than the great rates and products… There’s Brokers, and then there’s The Happy Finance Team;):) I can only encourage you to avoid headaches, hassles and precious/wasted time (or worse, biggest deals of your life lost) with others in the brokerage field, and instead work with the best I’m sure I’ve more than made my point ~ but if you do want quality work and outcomes, these guys are pick of the bunch

Jason Lynch

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 would gladly refer Andrea and her team!! They have been a pleasure to deal with in helping me and my family to secure our first hom here in Brisbane! very helpful, easy to talk to and welcome any questions (even for first home buyers like us who didn't know too much coming into the market!) Would happily continue to keep working with the team in the future! Keep up the good work everyone and from my family to yours; Thank You!!!

yo WARR

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

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

DAVID FRENCH

Facetime

In person - Outer Northern Suburbs, Brisbane

[email protected]

0427 947 052

MATHEW CROSSLEY

Facetime