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Rate ReviewRefinancingRefixingSave Money

Refix or refinance.

Your fixed rate rolling over is one of the most important financial moments for a homeowner. We make sure you're always on the best deal.

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How we help

What we do for you.

From your first conversation right through to completion, Finnovo Finance makes the process smooth and stress-free.

Full market comparison

We compare rates and cashback offers across 20+ lenders at rollover time.

Refix vs refinance analysis

We calculate whether it's worth moving lenders, factoring in all costs.

Loan structure review

Rollover is the perfect time to review your fixed/floating split.

Proactive reminders

We track your fixed rate end dates and contact you in advance.

Cashback opportunities

Many lenders offer cashback for new borrowers — we help you take advantage.

Ongoing relationship

We're here for the life of your loan, not just the deal.

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Ready to get started?

Book a free, no-obligation consultation. We'll assess your situation and show you exactly what's possible.

  • No cost to you, ever
  • Same-day responses
  • Available evenings and weekends
  • In person, phone or online
Book now — it's free →
Our process

How it works.

1

We check in before your rate expires

We'll be in touch before your fixed term ends.

2

Market comparison

We compare rates and offers across the whole market.

3

Recommendation

We present our recommendation and explain exactly why.

4

Sorted

Whether refixing or refinancing, we handle all the paperwork.

FAQs

Common questions.

What's the difference?
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Refixing means locking in a new rate with your current lender. Refinancing means moving to a different lender.

When should I start reviewing?
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Ideally 6–8 weeks before your fixed term expires.

Are there costs to refinancing?
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There can be legal and valuation fees, though many lenders offer cashback that offsets these.

Does it cost me anything?
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For bank lending our advice is completely free — lenders pay us on settlement. If a non-bank lender is the best fit, a fee may apply. We'll always tell you upfront before any cost is incurred.

Is your rate rolling over soon?

Book a free, no-obligation chat with our team today.

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