John Pierre Saliba compares 50+ lenders to find the home loan that fits your life, the right rate, the right features, and the right structure for where you're headed.
Last updated: October 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
When you go directly to your bank, they assess your application against their own products and policies. If you don't fit, you're declined, or worse, approved for something that doesn't work for you long-term.
As an MFAA accredited broker with access to over 50 lenders, including the major banks, second-tier lenders, and specialist lenders, we can find you a loan that actually fits: the right LVR, the right features, the right rate, and the right lender policy for your income type.
And because we're paid by the lender after settlement, our service costs you nothing. Under the Best Interests Duty, we are legally required to recommend the loan that's best for you, not the one that pays us the most commission.
A great home loan isn't just the lowest rate. We compare:
Rate moves with the market. Usually offers offset accounts, redraw, and unlimited extra repayments. Best for borrowers who want flexibility.
Rate locked for 1–5 years. Certainty on repayments regardless of RBA changes. Best when rates are expected to rise.
Part fixed, part variable. Get certainty on a portion while keeping flexibility on the rest. Most popular choice for owner-occupiers.
Every borrower is different. We specialise in finding the right loan for:
Free consultation. 50+ lenders compared. Personal response from John within one business day.
MFAA Accredited · ACL 511092 · 80 × 5-star Google Reviews · Barangaroo, Sydney · Free Service
Whatever brought you to this page, it is worth knowing what your current loan should cost today. Lenders reserve their sharpest rates for new customers, so long-term borrowers quietly pay a loyalty premium. John reviews your rate against 50+ lenders for free and tells you plainly whether a refinance beats your current deal.
Most refinances settle within two to four weeks from application. Fast-track digital discharges can be quicker; a slow discharging lender is the most common delay. John manages the whole process, including chasing your current bank.
You can ask your bank to reprice your rate, and it is a sensible first step. The catch is the bank only needs to beat your current rate, not the market. A broker gets you both: we request a reprice and compare it against 50+ lenders, so you keep the stronger offer.
Often, yes, on larger balances. A 0.25% cut on a $600,000 loan saves about $91 a month, roughly $1,095 a year, which typically repays switching costs inside a year. Below that, the case depends on your balance, remaining term and fees; John runs the break-even numbers for you for free.