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Fixed rate period ending soon?

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


A better deal awaits!

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.

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?

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Want to pay less each month on your home loan?

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

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

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

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

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

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

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 can't recommend Matt and his team at The Happy Finance Company enough! They were absolutely superb in guiding me through the entire process of securing a loan.

From start to finish, Matt and his team (special thanks to Cielo and Kristy) were incredibly supportive, proactive, and patient. They took the time to explain everything in simple terms, ensuring I felt informed and confident every step of the way. Their responsiveness and efficiency made the entire process smooth and stress-free.

What sets The Happy Finance Company apart is their genuine care and dedication. I always felt like they had my best interests at heart, and they went above and beyond to make things happen. As a first-time investor, they took the time to explain the finance requirements for a trust and business, helping me navigate complex financial structures. Even after the loan was secured and the house had settled, they followed up to check in, prepare me for the first payment, and ensure I had everything in place. That level of care really shows how much they value their clients.

I highly recommend Matt and his team and will definitely be using them again in the future.

Thank you, Matt and the team, for your outstanding service!

Greg

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

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

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

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

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

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

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

anonymous

I’ve known Mat for over 10 years, and he’s provided me with exceptional service always. April is also fantastic. Always professional and always deliver against expectations. Fast reliable service. Thanks, Team.

Emma Louise Bell

So grateful for Andrea and her team! As a first home buyer I generally had no idea what was going on most of the time lol, lots of terms and stuff that I’d never heard of before, but Andrea and Josh were incredibly patient and took the time to explain everything. They made the whole process so smooth. I definitely recommend!

Shannon Howat

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

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

Matt Goodyear is an absolutely phenomenal human! He has been our mortgage broker for a few years with a couple of refinances and some very amazing ideas with how to manage the money side of our lives! Such a highly personable human that is really good at explaining stuff and helping us decide the right thing to do.

Chandni

David helped me over 4 years ago with helping me get into my next step up home.

He didn’t disappoint finding me a great interest rate and helped me right through to Settlement

After completion David continued checking up on me and ensured I was on the right track with the best interest rate available as well as advising me on ways of paying off my mortgage so much quicker.

I lost track of David for a while due to my email account being hacked .

I eventually reconnected with David who had started up his own finance Company along with some other way talented professionals under the company name of , “The Happy Finance Company”

In the nick of time David seriously worked so hard on crunching the numbers to help me and my partner gain finance to get us into an investment Property on The Gold Coast

He worked miracles and turned our dream we lived with for a few years into “Reality”…

Today became our happy ending as the property we purchased “Settled” today. ……” WINNING”…….

To David and Chez we can’t thank you enough for everything you have both done for us.

We would not hesitate in recommending David and Team to other dreamers. ….. stop dreaming …. Turn yours like we did into reality

Remember David is not like most he continues after the jobs finished checking in with you regularly and offering his help for free

Quietly though the best part was it costs us nothing for all he did for us. Don’t believe me?… give him a call and see how we did this

In closing David is The Mortgage Maestro / Wagyu & Whisky Connoisseur / Chief Techno Officer…… and so easy to understand and deal with.

Thank you

Mark & Klaus

Markc Clauss

Mat and his team provided a seamless experience and achieved exactly what i requested. I was well informed and kept up to date along the way. I would not hesitate to recommend The Happy Finance Company to anyone. Thank you, Mat and team.

Luke Hill

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

MATHEW CROSSLEY

Facetime

In person - Milton/ Coorparoo areas, Brisbane

MATTHEW GOODYEAR

Facetime

In person - Caloundra, Sunshine Coast

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