Should I use a mortgage broker in Australia?

Yes, especially if you prefer not spending your evenings decoding bank jargon. A mortgage loan broker can compare products across multiple lenders, explain what actually suits your situation and guide you from application to settlement. At The Happy Finance Company, we add the human bit too: real conversations, smart strategy and support that makes the whole process feel less like a financial obstacle course. Our team can also review and provide additional support after settlement.

How do you get approved for a mortgage loan?

Getting approved starts with knowing what lenders want to see: income, expenses, your credit history, how much deposit or equity you need and whether you need genuine savings or not. The not-so-fun bit? Every lender assesses things differently. That is where a seasoned mortgage broker in Australia helps. We review your situation, tidy up the details, compare lender options and guide the application so you are not left refreshing your inbox and stress-eating biscuits.

Do all mortgage brokers have access to the same banks?

No, not all mortgage brokers in Australia have access and authority to use the same banks as we do. Our team also gets priority service over other brokers with certain lenders due to our quality submissions, high volumes and relationships with the banks. At Happy Finance, we also have a big support team behind us, ensuring that clients are looked after.

(07) 5422 4929

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.

What could your home loan repayments look like?

Calculate your loan repayments

Loan AmountPlease enter your loan amount here.

$

No. of Payments Please enter the number of years in which you plan to repay the loan.

Interest RateThe interest rate will default to the product you selected. You can also change the rate up or down to understand the effect on your repayments and total interest payable.

Deposit Enter your deposit, which will be deducted from loan amount

$

Repayment Chart

**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period	Payment	Interest	Balance

{frequency} Payment

$

Total interest payable

$ over

Balloon amount (0.00%)

$0.00

Deposit Amount

$

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by The Happy Finance Company. It does not take into account your personal or financial circumstances.

Want to pay less each month on your home loan?

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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

Cannot recommend or rate highly enough!
After 8 months with a previous broker and no result David turned things around with a great result in a week! The team gets things done so efficiently and keep you updated and informed every step of the way.

Meg McDowall

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

Matt and the HFC team are fantastic to work with. We've worked with them on property purchases and refinances over the years and have always had a great experience. They’ve gone over and above for us on multiple occasions, which we really appreciate. Matt is very strategic in his approach and always takes the time to explain our options and educate us along the way. James and the rest of the support team are also excellent – always responsive, helpful and easy to deal with. We’re very grateful for all of their help and support over the years and would definitely recommend Matt to anyone looking for a great mortgage broker. Thank you!

Tahlia Vincent

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

We highly recommend Matt Goodyear and his whole team at the Happy Finance Company. The team we have had the pleasure dealing with are James, Jeff 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

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 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

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

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

We have gone through the Happy Finance Company twice. Rain and Andrea are excellent! So thorough with great communication. They made the process so easy for us!

Emma

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 have used Andrea and her incredible team for several property refinancing efforts and have been so happy with their service every time. Andrea really knows how to get the most out of the banking industry and I have recommended about 10 of my friends to her. Can't speak highly enough of the Happy Finance Company!

Riley Flanigan

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 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

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

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

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

This is the third time we've used the services of Mat and the extended HFC team, and again, the service and advice provided was exceptional. Mat helped us navigate a complex property transaction with an excellent outcome. I cannot recommend the team highly enough - thanks Happy Finance Company.

Joe Woolley

No regrets at all choosing Mat and his team as my trusted broker.

Very clear and well communicated. So far, my experience has been always super quick and smooth.

Can't recommend them enough.

Raymond Hieu Tran

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

andrea@thehappyfc.com.au

0438 323 983

MATTHEW GOODYEAR

Facetime

In person - Caloundra, Sunshine Coast

matt@thehappyfc.com.au

(07) 5345 6682

MATHEW CROSSLEY

Facetime