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?

Calculate your loan repayments

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**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

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?

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

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).

THFC contact form - fixed rate ending

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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

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

We were referred to Matt to assist us in setting up finance for an investment property. He provided as very easy way for us to see how and what our borrowing capacity was, then he has been able to assist us in purchasing this property. Process was very easy from start to finish. Communication is great and timely. Will continue to keep going back to Matt and his team for future finance.

Peter Watts

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

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

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

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

anonymous

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

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

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, 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

Have been seeking Mat’s advice and support since 2017. He’s helped us achieve our goals — from buying our first home, refinancing, and now working towards our second property. Mat always sets realistic expectations and provides solutions that suit our financial situation. Grateful for his continued support and expertise over the years. Thanks, Mat!

Lira Angelica

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

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

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

In the past I have always dealt with Mat however as he was on leave, I was introduced to Jesse. He was just as forthright and helpful, not to mention friendly and professional. The communication and process were easy and these guys at Happy Finance Company always go above and beyond to help me with my financial goals.

Renee Nichols

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

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:rachaelwacker68@gmail.com
WhatsApp +1 (971) 772-1286

Bercy Gumundai

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

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

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

MATTHEW GOODYEAR

Facetime

In person - Caloundra, Sunshine Coast

MATHEW CROSSLEY

Facetime

In person - Milton/ Coorparoo areas, Brisbane

JESSE ROSS

Facetime

In person - Brisbane City