Refinance the smart way and save more!
Most Aussies are still refinancing the wrong way, choosing the cheapest rate on the market and leaving the rest up to their new bank.
Refinance the SMARTER and save more!
No credit check required for initial consultation
At TIDE we can help you no matter what
Some of the SMART ways we can help you
Refinancing (The SMART way of course)
Step-by-step guidance to navigate the market, secure the best rates, and turn your dream of ownership into reality without the overwhelming stress.
ATO Tax Debt Relief
Unlock equity or lower your monthly payments. We help you refinance smartly to save thousands and fund your family's next big chapter.
Refinance the SMART way and save more!
It would come as no surprise to anyone who has a home loan that their bank's number one goal is to make as much money off you as possible. Refinancing is no different.
In fact, it's a chance for the big banks to make you focus on the variables that they control (such as the interest rate), and leave the rest up to them.
This ensures you pay the most amount of interest over the longest possible period. We flip this on its head and put your interests ahead of the bank's billion-dollar profits.
You work way too hard for your money, so don't donate it to your bank.
Find out how much you SHOULD be saving on your refinance today.
No credit check required to get started.
HOW IT WORKS
The SMART Refinance Process
Securing your future shouldn't be stressful. We demystify the mortgage process and guide you through every milestone.
Solution
We'll review your goals and financial picture in a zero-pressure consultation providing you with the best rates on the market for your circumstances
SMART
We'll show you how to maximise your savings by refinancing the SMART way.
On the average Aussie home loan, this equates to an extra
Simple
We handle the paperwork and coordinate with all parties to ensure a SMART refinance and extra money in your pocket NOT, your bank's.
No credit check required to get started.
REAL EXPERIENCES
Stories of Smart Refinancing
Tide found us a rate we didn't think was possible. The savings mean we can finally start our family fund instead of stressing over monthly payments.
Refinancing seemed completely daunting, but they made it seamless. We cut years off our mortgage and saved thousands in interest. Highly recommended.
As we looked for a bigger home, we were terrified of the financials. The team held our hand every step of the way. We felt completely supported and informed.
A truly stress-free experience from start to finish. I never had to chase them for updates. They delivered exact terms as promised, and now I have the keys!
EXPERT-LED, NO-PRESSURE
Find out how much extra you'll save by refinancing the SMART way.
Pick a time that works for you. In just 15 minutes, we'll map out your mortgage options with absolutely zero obligation.
NO SURPRISES
Clarity For Your Mind
Buying a home is a major financial milestone. We believe in complete transparency, ensuring you understand every detail before making a commitment. If you don't see your question here, our dedicated team is just a message away.
What is the minimum credit score required to secure a mortgage?
While traditional guidelines often suggest a score of 620, there are programs designed for scores as low as 580. We evaluate your complete financial picture, not just a single number, to find a pathway that works for you.
Do I have to pay your broker fees directly out of pocket?
In most cases, our fees are paid by the lender upon successful closing of your loan, meaning no direct out-of-pocket broker fees for you. We will always disclose any potential costs clearly before we proceed.
How are current interest rate trends affecting buyers?
Interest rates fluctuate based on broader market conditions. While current trends show periodic adjustments, we actively monitor the market to lock in the most favorable rate for your specific timeline and budget.
How long does the pre-approval process typically take?
Once we receive your necessary documentation, our pre-approval process is highly streamlined. You can typically expect a detailed response within 24 to 48 hours, giving you the confidence to start house hunting immediately.
Can I buy a home with less than a 20% down payment?
Absolutely. There are several accessible programs that require as little as 3% to 5% down for first-time buyers, and zero-down options for eligible veterans. We will match you with the program that best fits your savings strategy.
Empowering your future with tailored mortgage solutions. We blend institutional reliability with a personalized approach to guide you home.
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Contact
Call Us: 0418 228 817
Email: [email protected]
Suite 12, 37 - 38 East Esplanade
Manly, NSW 2095
Tide Financial Pty Ltd. licenses available upon request. All loans subject to credit and underwriting approval. Programs, rates, terms and conditions are subject to change without notice.
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