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

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

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

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

Mat Crossley and his team provided exceptional services for my mortgage needs in 2016 and 2025. I won't hesitate to call Mat next time. Highly recommended!

Ben Griffiths

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

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

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 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

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

It was a pleasure working with Andrea to refinance our home loan. Andrea is hard working, experienced and strives for the best possible outcome for her clients. Andrea was responsive throughout the entire loan process and we would have no hesitation in recommending Andrea to our friends and family in future for her knowledge and guidance.

Amy Mortland

We can't thank and highly reccomend Andrea and her team enough, they were always available to answer our many, many questions. Helping us navigate our way around purchasing our first home, with the best advice and what would work for us. We managed to purchase our dream home. Thanks so much again!

Philippa Mathewson

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

I worked with Mat from happy finance on 2 different occasions. Mat is a professional broker and knows his job really well. His level of support and professional advice on home loans are second to none. He is a joy to work with and very responsive to emails and phone calls. If you’re after a reliable, caring and friendly broker, please don’t go anywhere else. My special thanks to April from Happy Finance as well. I highly recommend this trustworthy business.

Peyman Andaroodi

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

Mat and his team gave us the time of day to answer all our questions giving us the confidence to make well-informed decisions. Super happy with the outcome and grateful for all the support. Thanks Mat and team!!

Julissa Vasquez

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

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

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

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)

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In person - Inner Northern Suburbs, Brisbane

andrea@thehappyfc.com.au

0438 323 983

MATHEW CROSSLEY

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In person - Milton/ Coorparoo areas, Brisbane

mat@thehappyfc.com.au

0428 916 485

MATTHEW GOODYEAR

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