转贷亦或协商利率？
您的贷款经纪人能为您解答
Is refinancing the best option for you? A trusted mortgage broker should help you explore all options—including negotiating a lower rate with your current bank.
While most mortgage brokers act in your best interest as outlined in Regulatory Guide 273（监管指南 273） (external link), a conflict can arise: staying with your bank at a lower rate might be the smarter choice, but mortgage brokers only earn upfront commissions if you refinance.
That’s why we introduced our ‘GPS’ approach in 2021. By minimising this conflict, we deliver unbiased refinancing advice, boost customer satisfaction, and improve efficiency—putting your needs first, always.
领先业界的“GPS”方法
1. General Infomation Only 仅一般信息
If your goal is to secure a lower interest rate, we only collect essential details—such as your loan type, approximate loan amount, and loan-to-value ratio (LVR). Afterward, we provide a competitive rate comparison, allowing you to confidently negotiate with your current bank.
2. Personal Circumstances 个人情况
If your current bank cannot lower your rate, or if you’re unsatisfied with their counter-offer, and choose to refinance, one of our mortgage brokers will contact you to arrange a remote or in-person home loan consultation—allowing us to better understand your personal circumstances.
3. Solution 解决方案
Once we’ve verified your financial situation, we’ll provide a solution tailored to your specific needs, objectives, and financial position. If you’re satisfied with our proposal, our mortgage broker will submit your refinance application on your behalf.
关于23 Finance（23金融）
We are a Sydney-based mortgage broking firm, with extensive experience serving clients in Sydney, Newcastle, Wollongong, and beyond.
Our experienced mortgage brokers prioritise our customers’ needs. We uphold our Five Commitments to deliver a personalised, seamless, and hassle-free home loan experience.
Additionally, once your home loan is approved, you’ll have unlimited access to Resources and Tools prepared by our dedicated support team to help you make well-informed decisions.
公司愿景
We are looking to grow our business sustainably – we would not like to devolve our customer service to standard operating procedures and scripted answers delivered by bots.
We would like to ensure that our customers can always talk to a real person – a person who cares about them.
30+ lenders on our mortgage broking panel
为什么选择我们？
我们的五大承诺：
Would like to have an update on your application, but can never get hold of your mortgage broker? We are different! We have 多种渠道 联系我们。办公时间内，我们承诺会在一小时内回复您的消息。
For any urgent after-hours matter, please feel free to contact our principal mortgage broker Alex WANG on 0406 635 933
想要和我们面谈，但忙于工作？只能在午休时和我们短暂见面？不用担心！我们为您提供灵活的预约选项——您可以选择最适合您的时间和地点*，我们会来拜访。
* 仅限悉尼；接受下班后的预约； 请提前预约 。
我们愿意以书面的形式来回答您的任何问题**，以避免事后双方“各执一词”的尴尬（我们也不喜欢这样)
** 在您的要求下
Have not heard anything from your mortgage broker since the settlement? We treat you differently. We touch base with you on a quarterly basis, and we review your home loan(s) annually to ensure that your rate stays competitive.
想要尽快转贷？
今天就和我们的房贷专家聊聊吧!
We treat every loan as a time-critical project, applying project management processes to ensure a personalised, seamless, and hassle-free home loan experience with our mortgage brokers.
- 1. Our mortgage brokers assess your financial situation, requirements, and objectives.
- 2. After verifying your financial details, we work with you to develop a tailored plan.
- 3. With your consent, we’ll submit your home loan application on your behalf.
- 4. We’ll continuously follow up with the lender and keep you updated.
- 5. Our relationship doesn’t end at settlement; we touch base with you quarterly and review your home loan annually.
更多数据以供您参考
As your trusted mortgage broker, we offer value-added, complimentary member services, giving you unlimited access to resources and tools prepared by our support team once your loan (including pre-approval) is approved.
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