Find out how much money you can save on your mortgage
One phone call to find out
Complete the form and one of our advisers will be in touch to quickly analyse your mortgage.
Interest rates have steadily fallen over the past 8 years and those who are locked in for longer terms may still be paying 3% or even 4%.
No matter what rate you’re on, now is a good time to review your mortgage to see if you can save money.
What will our 10 minute chat involve?
In our initial phone call, we’ll talk about your current financial situation including:
your current mortgage interest rates and maturity dates
your plans for your mortgage in the next few years
Is this a hard sell?
Definitely not!
The great thing about helping people with their mortgage is the outcome is purely numbers-based. You will either be in a better position or you won’t be. If we can’t help you into a better financial position with your mortgage, we’ll shake hands and part as friends, knowing we’ll always have that 10 minute phone call.
Book your free phone call:
No cost
No sales
What happens…
…after our 10 minutes?
Our adviser will analyse the numbers and you’ll need to sign one form to allow us to talk to the banks on your behalf. After we’ve got the final numbers, we can come back to you with a brief summary of our findings.
Typically two solutions will be presented:
how much you can save by staying at your current bank
how much you can save by moving to an alternative bank
From here, you make the decision on whether to proceed or not.
…if I decide to continue after the report?
If you have chosen to stay with your current bank, we’ll negotiate the new interest rates for you, work with you on break fees, if any, and stick with you through the whole process of refixing. We’ll teach you how you can pay down your mortgage faster with your particular bank (there are different methods at each bank).
If you choose to move to an alternative bank, we’ll begin the process of finding the best option for you. This will usually involve a 30-60 minute meeting while we get all the information we need. We then approach the banks and negotiate a deal for you.
Unless you are dealing with a non-bank lender, there is usually no cost to you for our service. For more information on how we are paid, click here.
Ready to check your mortgage for free?
Nothing to pay
No sales pressure
How much can I save?
How much you save depends on:
how big your mortgage is
what interest rates you have locked in
how long until those interest rates mature
how long since you started your mortgage
What we can tell you is that, on average, the clients we’ve helped have saved on average $3,173. That’s worth a 10 minute phone call!
Are you just going to hound me after this?
At Mortgage Lab, all we do is give advice on mortgages and insurance. If we can’t find a good solution for you, there’s not much more we can harass you about. Even if we start selling weight loss pills or vitamins in our spare time we won’t use your contact details to market to you. We’ll just annoy our friends and family like everyone else. You will receive our monthly newsletter as part of our ongoing follow-up – if you don’t like it, just unsubscribe. We’ll smile bravely and pretend it doesn’t hurt.
Why Mortgage Lab?
Mortgage Lab advisers don’t work in a silo. There are daily communications and updates on the industry flowing through the company. That means the 24 nationwide advisers have access to a huge amount of information and are, we think, the best informed in the industry.
Banks are constantly updating their policies and it’s hard for smaller businesses to stay up-to-date. Larger advising firms have typically been structured as franchises or single lone advisers and suffer from the same issue as smaller businesses. The information isn’t distributed efficiently. Mortgage Lab uses several types of software to make sure all advisers are kept in the loop.
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How do I know this is a legit company?
Financial Markets Authority has worked tirelessly in the past few years to build trust in the advice market. There are several things you need to check if you are dealing with an advice company:
are they a licensed Financial Advice Provider (FAP)? You should be able to find them on the Financial Service Providers Register. You should also be able to easily find important information about them in their website (ours is here)
are they hard or easy to find on Google? What about on social media? We like to educate our clients through videos and podcasts and you can find our YouTube channel here and our podcast here.
can you find the individual advisers listed on their website? Sometimes, less reputable companies don’t like to list their advisers. You can see our list of advisers on our website by clicking on “Our Advisers” in the menu.
What’s the worst that could come out of this?
Anything is possible – actually that’s not true. Really, the worst that can happen would be you’ll use 10 minutes of your life to discover that your mortgage is in the best state it can be (for now).
To book in your 10 minute phone call, complete the form below
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The Mortgage Lab is a Licensed Financial Advice Provider. Our Financial Services Provider number is 587228