Is your loan structure holding you back?
We look beyond your rate, reviewing your financial position, property portfolio, loan structure and available equity to make sure your lending supports your plans.
Complete our 60-second review and we’ll assess your position across 45+ lenders within 24 hours, with the option to book a 15-minute call with Leigh.
Get my loan structure reviewReviewed by Leigh and the team at SFP Financial
Straight from Google
100+ five-star reviewsThe best in town. Leigh and the team go above and beyond, and have so much time to get into the weeds on your goals. They’re more than just a broker. Have already recommended to many friends.
We had a rather complex purchase situation and Leigh and the team could not have been more knowledgeable or helpful. They made an almost impossible loan situation possible. We cannot thank them enough for their help, guidance and professionalism every step of the way. We highly recommend the whole team! Thank you.
I came across Leigh Morris through social media and I’m so glad I did!
He helped me secure a better rate and a much better structure across my home and investment property loans. And he—along with his team—was incredibly professional, knowledgeable and easy to deal with.
Thanks so much Leigh and the team, couldn’t recommend you guys highly enough!
Takes 60 seconds. No obligation, and no credit check to get started.
Get my loan structure reviewA rough idea of the difference
Move the two sliders to match your loan. This is a guide only. The real number depends on your lender, fees and structure.
Assumes a 30-year term, principal and interest, compared against a 6.00% variable rate.
Three reasons worth a conversation
Lenders price new borrowers sharper than loyal ones, so rates drift over time without you doing anything. It only takes a couple of minutes to review, and it could save you thousands.
Equity trapped in an owner-occupied property is often underutilised. It can be unlocked to build wealth, complete renovations and plenty else. A quick review tells you how much you’re able to access and what it could be used for.
Your structure needs to match your life as it changes, and owner-occupied debt is often set up completely differently to investment debt. Depending on your goals you might be smashing down the home loan, or freeing up cash flow for other ventures. There’s no one right structure.
Lenders on our panel: the big four, second-tier banks, credit unions and non-bank specialists. We’re not tied to one, so the comparison is about your situation rather than a single bank’s appetite.
Four steps, and it starts with a chat
Tell us where you sit
Fill in the form below. Five minutes, no documents needed yet.
We review and compare
Your current loan against the panel, including the cost of switching.
You get a plain answer
Numbers side by side, and a recommendation. Sometimes that’s to stay put.
We handle the switch
Application, valuation and settlement, with updates the whole way.
Loan review form
Three short steps. Nothing here affects your credit file.
Free for Australian citizens, permanent residents and expats. Sending this form doesn’t commit you to anything.
Leigh Morris
Leigh and the team have been SFP Financial since 2019. He’s a former financial adviser turned mortgage broker, an active property investor and a business owner, with more than 20 years in the finance sector.
He’s also a finance commentator with a large online following, mixing finance humour with plain education. That’s how most people find us, and it’s the same approach you get in a meeting: no jargon, no fluff, just what the numbers mean for you.
We cut through the finance fluff. You’ll get a straight answer, even when the answer is to stay where you are.Get my loan structure review
Two feeds, two reasons to follow
Refinancing, answered plainly
Sometimes, not always. The rate is only part of it. Discharge fees, a new application, lender fees and the term you reset to all matter. We put the whole cost of switching next to the saving so you can see the real number, and we say so when it doesn’t stack up.
Two to four weeks is typical from application to settlement, depending on the lender and how quickly a valuation comes back. We do the paperwork and keep you posted at each stage.
No. Nothing on this page touches your credit file. A credit enquiry only happens later, with your separate written consent, as part of a formal application.
Usually yes, if the numbers support it. Lenders will want to know what the funds are for, whether that’s a renovation, an investment deposit or consolidating debt, and the servicing needs to hold up. We work that out before anything is lodged.
Break costs can be significant, so it’s worth checking rather than assuming. We ask your lender for the figure and compare it against the saving. If it’s close, waiting until expiry is often the better call.
Different, not harder. Lenders vary a lot in how they read business income, add-backs and short trading histories, which is exactly where a 45-lender panel helps.