Learn how to pay less on your mortgage.
Answer a few quick questions about what you’ve already tried and what’s getting in the way. Get tips relevant to you, plus our free bank negotiation guide and call sheet, so you know what to try next.
- Get your bank's best offer. The steps I use, even after a no.
- Compare with the market. Know what to check: the same remaining term, features and costs.
- Move your mortgage. Keep your bank account. Your pay, cards and direct debits can often stay put.
2 minutes · Free · No phone number needed.
Three-time FBAA Finance Broker of the Year (VIC/TAS) · 2021, 2022, 2023.
One useful step towards paying less.
I'm Andrew, mortgage broker and co-owner of Whale Finance. A better deal might come from a lower rate or fees, another product with your existing bank, or a move that's worth making. Use these tips yourself or ask me for a hand. No bank call is compulsory.
Get Your Bank's Best Offer
Get the steps I use to ask clients' banks for a better deal:
What to say, including asking about fees and another product, with a call card for your phone.
What to try if the first answer is no.
How to record your bank’s answer, yes or no.
An optional first look at potential savings, before a full assessment.
Try it yourself. See what your bank offers. Then decide what you want to do next.
The Pay Less Mortgage Method PDF
The four practical parts of a mortgage review, to use yourself or with help.
2 minutes · Free · No phone number needed.
Start where it suits you.
Try your bank, explore a first look at the numbers, or talk it through. You can use one part of the method or all four. One useful step is a win.
Google review · excerpt
the recorded video detailing our options was really helpful in guiding us to make an informed decision.
What mortgage clients say
Google review · excerpt
Saved us a lot of money. They made the paperwork easy to complete and answered all our questions.
Google review · excerpt
Andrew helped us do a healthcheck on our home loan situation. As a result, we kept on the path that was already set.
2 minutes · Free · No phone number needed.
A few things you might be wondering
See what you could do to pay less.
Start with what you’ve already tried. Find out what you could do next to pay less.
A few quick questions. Plain English, no jargon.
2 minutes · Free · No phone number needed.