Refinance without the guesswork
Your current loan made sense once, but the market moves. Em Bee Finance compares rates, features and break costs across our lender panel so you know exactly when switching is worth it.
Who this is for
Is this the right conversation to start?
Your fixed rate is ending and you want to check the next best move.
Your bank has raised rates but you are not sure you are getting a fair deal.
You want to release equity for renovations, investment or another goal.
You would like a loan with features that match your life now, not five years ago.
How it works
Four steps, no surprises.
Review your current loan
We look at your rate, remaining term, fees and any break costs so we can compare apples with apples.
Compare the panel
We shortlist lenders that beat or match your setup, with better features and fewer traps.
Run the savings numbers
We show you the repayment difference, total interest saved, and any switching costs upfront.
Make the move
We handle the paperwork, valuations and settlement so you can get on with life.
A better rate is rarely advertised. It is negotiated.
Em Bee Finance, Perth
The benefits
Why clients choose Em Bee Finance.
A clear comparison of rate, features and total cost over time.
Access to lenders beyond the big four.
Help with equity release and cash-out structures.
No pressure: we only recommend a switch if it genuinely saves you money.
Try the numbers
Is switching actually worth it?
- Monthly repayment
- $3,998
- Interest over 30 yrs
- $789,257
- Fees over 30 yrs
- $12,450
- Monthly repayment
- $3,893
- Interest over 30 yrs
- $751,444
- Fees over 30 yrs
- $1,200
Over the full term
Loan B costs less by
$49,063
- Cheaper option
- Loan B
- Loan A total cost
- $801,707
- Loan B total cost
- $752,644
- Monthly difference
- $105/mo
This is an estimate only and not credit advice. Actual figures depend on your circumstances and lender criteria. Read the full disclaimer.
Visualised
Interest is not the whole cost
A sharper rate can still lose once fees are counted. Total cost is interest plus every fee over the life of the loan.
- Interest
- Fees
Assumes both loans run the full term with no extra repayments, no refinancing, and a rate that does not change. Real comparisons also turn on offset accounts, redraw, fixed versus variable, and whether a lender will actually approve you. Those are the parts a calculator cannot see.
Accredited Google Reviews
Perth families who felt heard.
Every review below was left on our Google Business Profile by a real client, and is reproduced word for word.
Read them on Google“I just acquired an investment property using equity. Mool Bhargava guided me in the entire process handling all complexities of my mortgage journey. His knowledge and response about financial matters was simply amazing. I highly recommend him for any mortgage need you may have. Thanks Mool Bhargava.”
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FAQ
Common questions
Em Bee Finance, Perth
Ready to talk it over? Book a chat with Mool.
A relaxed first conversation. No pressure, no jargon, just an honest look at your options.
Mool Bhargava
Principal broker · MBA Finance
A Name You Can Trust