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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?

[qis]

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

We met Matt Goodyear when we were looking for our first home on the Sunshine Coast. He was very helpful and knowledgeable when it came to getting the best home loan available to us at that time. Even the bank manager was amazed that Matt got us a 1% lower than his bank’s variable rates for the lifetime of our loan. When it came time to buy our 2nd house, we didn’t hesitate to give Matt a call, knowing full well that he was going to get us the best deal in town…and he did. Both our investment property and the house we lived in were on Owner Occupier rate…how did you negotiate that, Matt? A few years down the road, we refinanced our existing loans and with in-depth knowledge of our finances, Matt managed to almost halved our monthly repayments with great juggling of our new loans. Thanks Matt!

Kevin Sim

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

Wow amazing. You knocked me off my feet! I’m humbled and grateful. I invested $400 with Mrs
MORRIS BERTHA
to see what trading online was like. A week later i withdrew a profit of $5,200 and then I really saw
how much you can earn from the markets.
I now invested $1000 and gain $15,521 a week, God bless her for me, she is trust worthy and i
recommend her to everyone or anyone that want financial freedom
whatsapp:+1 (669) 304-2828
Email :[email protected]

Mathéo Lyam

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

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

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

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 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

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

The team at The Happy Finance Company assisted my fiancé and I into our first home earlier this year, and worked their magic to even upgrade my work vehicle shortly after. Absolutely recommend 10/10 �

Luke Willmott

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

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

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

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

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

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

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 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

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

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

DAVID FRENCH

Facetime

In person - Outer Northern Suburbs, Brisbane

MATHEW CROSSLEY

Facetime

In person - Milton/ Coorparoo areas, Brisbane

MATTHEW GOODYEAR

Facetime

In person - Caloundra, Sunshine Coast