Pay Less on Your Home Loan | MapMy Financial Group
Home loan review, made human

Pay less on your
home loan.

Your fixed term ending? Feeling like you're paying too much? We compare the whole market and negotiate a better rate or smarter structure — with advice that's free to you.

Whole-market comparison No pressure Advice is free
Couple reviewing their home loan options
One adviser. Your whole loan picture.

You're on the right track.

We'll call within one business day — no pressure. Thanks for reaching out.

Free, no-obligation

Get your free review

We'll call within one business day — no pressure.

5.0★ on Google Advice is free — paid by the lender Reply within one business day

The number that matters

A better rate is only half the job.

Banks often set you up on their defaults. We look at the structure underneath — fixed-term splits, offset accounts, how your debt is ordered — so your loan works harder for your actual life.

01

Split fixed terms

Avoid having everything roll over at once — stagger terms to stay flexible.

02

Offset & revolving

Make spare cash work against your interest rather than sitting idle.

03

Reviews that happen

We track your refix dates and review before letters arrive — not after.

Illustrative example only

$4,000
left over.

A $500,000 refinance with a 1% lender cash contribution, after $1,000 for legal & discharge costs.

Before break fees and excluding any interest-rate savings. Offers, eligibility and costs vary by lender and your situation. We'll run your actual numbers before you decide anything.

$500,000 refinance$500,000
1% lender cash contribution+$5,000
Legal & discharge costs−$1,000
Potential cash contribution left≈ $4,000

One review, more options

What we can help with

Loan review documents
01Refinance to a better rate
02Refixing when your term ends
03Restructuring your loan
04Debt consolidation
05Cash-out & top-ups
06Annual loan reviews
Jonathan Smith
"Jonathan took care of everything and made the process so easy — and worked hard to get us far better deals than we would have got ourselves."

— Andrew  ·  Google review

Straight answers

Questions, answered.

No. We compare your options across the market, including staying with your current bank if that is the right call. We only suggest moving if there's a clear reason to.
Not always. We look at the full picture — fees, break costs, your plans and the structure underneath — before recommending anything. We'll show you whether the numbers genuinely stack up.
Our advice is free to you. We are paid by the lender when a loan is arranged. If a fee could ever apply to your situation, we'll explain and agree it with you first.
Start early — 6–8 weeks before your fixed term ends gives us time to compare options without rushing. A review before the letter arrives means decisions are made on purpose, not by default.
An initial review does not affect your credit score. We only make a formal application after you are happy to proceed with a specific lender.
Many reviews are sorted in a few days. More involved refinances can take a little longer depending on the lender and your situation. We handle the paperwork and chasing so you don't have to.
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