Welcome to your exclusive interest rate monitoring service
We've got your back
Our unwavering commitment to our clients is centred around regularly reviewing your portfolio to ensure that your loans are optimally structured and aligned with the most competitive rates available. We believe in proactive management and ongoing support to help you achieve and maintain the best possible financial position.
Think of us as your financial watchdog, always alert. We continuously monitor your loan’s interest rate, comparing it to market rates. If we sniff out a better deal, we pounce—negotiating with your lender to secure those savings. If the new rate hits the mark, we lock it in and notify you of the extra cash in your pocket. If not, we’ll let you know and map out the best strategy together.
Your loan should never gather dust. With Heart Rate Advantage, we ensure it’s always optimized, saving you money at every turn.
Welcome to your Heart Rate Advantage!
6.25%
Owner-Occupied (Principal & Interest): over 70% are below this rate
$26,614
Interest Costs Saved per annum (August 2024)
$47,541
Interest Costs Saved per annum (since July 2024)
73%
Client loans reviewed and in optimal range (last 6 months)
Fixed Rate or Interest Only Expiry
Rest assured, we've got you covered. When your fixed or interest only rate is up for renewal, we'll review and negotiate with your lender, then present you with options so you can make an informed decision with ease.
Continuous Review
We keep a close eye on fluctuating rates to ensure you always stay within the optimal range. If your rate starts to drift, we'll proactively request a review with your lender. Your current rate is never taken for granted.
Changes in your situation
Life can be unpredictable, and we're here to support you through it all. We'll check in periodically to ensure your financial wellbeing is on track and see if there's any way we can assist.
Health Check
Checking in on your loan and rate periodically is always a wise move for peace of mind. At Heart Financial, we're here to assist you in evaluating whether your loan is competitive and your rate is favorable. This is just one aspect of our dedication to our clients.
Expert Marketing Monitoring
We stay updated on market conditions by actively writing new loans and repricing existing ones. This gives us a clear view of current optimal loan rates.
In-depth Portfolio Analysis
We leverage our market knowledge to identify loans in our portfolio that fall outside the optimal rate range, pinpointing opportunities for savings.
Proactive Rate Negotiation
We negotiate with your lender to secure the best possible rate for you. Our goal is to ensure you always benefit from competitive rates, maximizing your savings.
Unlocking Instant Savings with your New Rate
If the new rate we negotiate benefits you, we apply it directly to your loan and notify you immediately of the new rate and savings. This ensures you always get the best possible deal without any delays.
Financial Savings
Every percentage saved on your interest rate results in more money back in your pocket.
Stress-Free Management
Let us handle the legwork while you focus on enjoying your home or investment property.
Peace of Mind
Know that your loan is continuously optimized to reflect the best possible rates and terms.
Personalised Service
If a better rate isn’t available, we’ll personally discuss other potential solutions to optimize your loan.
Our Commitment
Is more than just a service—it’s a commitment to your financial well-being. We strive to ensure your loan is always aligned with the best rates in the market, providing continuous savings and peace of mind.
Would you like us to negotiate with your lender for a better rate?
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