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 are such a pleasure to deal with. They give honest open communication and throughout the whole process their communication levels and are seamless. They make the whole process so easy and transparent. Highly recommend mat and his team.

Kimberley Jamieson

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

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

Mat and Yanny at Happy Finance have been fantastic throughout our refinancing process. They guided us clearly as we moved our loans into trust structures and made everything straightforward and stress-free. Professional, responsive and genuinely helpful—highly recommend!

Sam Alexander

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

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

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

Andrea and her team have helped us with our properties, and they have always provided an excellent service. Andrea has a lot of experience, and she is always working to get the best outcome. I have recommended happy Finance to my friends, and they just have excellent thing to say about this great team.

David Chajin

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 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

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

Andrea got in contact with me after I had left a message about wanting to find a competitive rate for my mortgages. Andrea was extremely knowledgeable about the different products on the market and gave me some great advice about how best to proceed. Whilst I did not end up using the Happy Finance Company, as I decided to stay with my existing bank, I would confidently recommend their services to others. Thanks Andrea!

Ben Donovan

Andrea and her team were fantastic to deal with. They made refinancing easy and efficient, with great communication and a clear, easy-to-follow process. It took the stress out of what can be a complicated experience. Highly recommend!

Maddie Dalziell

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

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

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

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

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

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

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 - Milton/ Coorparoo areas, Brisbane