Stop paying the loyalty tax
A 15-minute review of your current rate against the market — we'll tell you straight if staying put is the right call.
How it works
From first chat to settlement — we do the heavy lifting.
15 minutes on the phone to understand your goals, income and timeline. No documents needed yet.
Your situation against 30+ lenders' rates AND credit policies — not just the advertised specials.
Clear side-by-side options in plain English. Pick one and we prepare and lodge everything.
We chase the lender, the agent and the conveyancer so you don't have to — and stay with you after settlement.
Why work with us
We're not tied to any one bank. That means our advice starts with your situation, not a sales target.
From the first conversation to settlement day, you'll always know what's happening and what comes next.
What you'll need
- ✓Current loan statement
- ✓Photo ID
- ✓Last 2 payslips
- ✓Council rates notice
What clients say
“Made our first home purchase feel easy — explained every step.”
“Saved us $340 a month refinancing. Wish we'd called sooner.”
“Sorted my ute finance before the weekend. Unreal service.”
Frequently asked questions
Does using a broker cost me anything?＋
In most cases no — we're paid by the lender you settle with, and we disclose every commission.
Will an enquiry affect my credit score?＋
No. We only run a credit check with your explicit consent, once you're ready to apply.
How long does approval take?＋
Pre-approval is often 2–5 business days depending on the lender and your documents.
Get your options
Tell us a little about your goals — a licensed broker will come back to you within one business day.
Ready when you are
A 15-minute chat is usually enough to map your options.
TIMTAM Finance .
Any information on this page is general in nature and does not consider your personal objectives, financial situation or needs. Comparison rates and repayment figures are indicative only.