FIX YOUR MORTGAGE TODAY
Get a fair go on your home loan
Most Aussies are paying more than they should because banks keep quiet when rates drop. Home Loan Harry makes it simple to check if you’re getting a good deal and connects you with a licensed broker who’ll help you sort it out.
PAY LESS ON YOUR MORTGAGE
Keep more in your pocket
Sticking with the same bank often means paying the “loyalty tax” and missing out on money that should be in your pocket. We’ll help you see if you can save hundreds every month by refinancing into a better rate.
PAY LESS ON YOUR MORTGAGE
Why Australians refinance
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Lower monthly repayments
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Access equity for renovations or investments
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Lock in stability against rising rates
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Get away from confusing bank offers
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Every broker we connect you with holds an Australian Credit Licence and meets our strict standards. No call centres. No spam. Just licensed professionals ready to help.
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HOME LOAN HARRY
Make your mortgage work for you
When Should I Look at Getting a Home Loan?
Buying your first home, upgrading, downsizing, or refinancing? These moments are usually when people start exploring their loan options. A home loan can help you move sooner, compare lenders, and understand what’s realistic for your budget. Many Australians start the process early so they know where they stand before making any big decisions.
Does My Credit Score Affect My Options?
Lenders look at a bunch of factors when assessing your application. Your credit score is one of them. A stronger score can sometimes open up more loan products or better rates, while a lower score might limit your choices. Lenders may also consider things like income, expenses, job stability, savings history, and the property you’re looking at.
How Much Can I Borrow?
There’s no one-size-fits-all number. Every lender will assess your situation differently. They look at your income, debts, living costs, deposit size, and your long-term financial picture. Your borrowing power can also change over time as your circumstances shift. Many people check their options whenever major life events happen, like a new job, a pay rise, or planning to buy a home.
Why Do People Refinance?
Refinancing can be a way for homeowners to reduce repayments, switch to a different type of loan, consolidate debts, or access equity they’ve built in their property. Some people review their home loan regularly to ensure it still suits their needs as interest rates and personal circumstances change.
Contact
hello@homeloanharry.com.au
Home Loan Harry connects Australians with licensed mortgage brokers (ACL holders). We don’t provide credit advice, we simply connect you with trusted professionals who can.