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refinance record low rates

Record low interest rates starting at a shocking 1.89%!

With record low interest rates, the time to refinance is now. Give yourself freedom to enjoy a debt free life where you end your mortgage sooner, travel, and do everything you’ve always wanted without being tied down by a mortgage.

In early December, the Reserve Bank of Australia reduced the cash rate to a record low rate. As a result you get more out of your home loan. On average we’re saving homeowners like you $6,200 per year on interest!

Don’t get taken advance of and miss out on getting a fair deal from your bank that is in your best interest. Now more than ever, your bank should reward you for your loyalty.

Benefits of refinancing

Get a better rate

Save money by reducing repayments

Save interest and repay your loan sooner

I encourage people who haven’t already taken up the opportunity to do that to look at their mortgage rate and look for a better deal

Reserve Bank of Australia Governor, Philip Lowe

Banks offering up to $4,000 cash back for switching your home loan

*Limited Time Only

Switiching your home loan has never been easier. Get up to $4000 straight int your pocket when you switch your loan now while banks are still offering cashbacks!

 

Why go through BFG? Here's our story.

A mortgage and finance brokerage with a human difference.

We believe that the power of finance can be harnessed to deliver the most competitive home loans and positive change for society and the environment.

Home for a Home

By simply choosing us, you will have the power to positively impact your financial position, whilst making a huge difference in the lives of families impacted by bushfires. This happens because we invest up to 50% of our profits from the home loans we fund in rebuilding homes.

By choosing to get your home loan through us, another family get’s a chance to rebuild their home too. Better yet? Those tax deductible investments are made on your behalf, so you are entitled to a first-of-its-kind tax savings. All of this at no cost to you as we are paid commissions by the banks like any other mortgage broker. 

We work with over 30+ lenders

Don't take our word for it. Hear what others say about us

Verified
Highly recommended. Sam and his team are a highly professional group who helped us with a refinance. They were attentive, proactive, and knowledgeable in their service as they guided us through the transition.
Oliver Walchshofer
Oliver Walchshofer
November 2, 2020.
Verified
Samuel and the team at benevolence group have been nothing but outstanding. As a first home buyer it was hard to navigate the waters around loans and mortgages, Samuel helped us through that. Over the phone or in person he was polite and consistently on time. I highly recommend him for all financial needs.
mark khairy
mark khairy
September 9, 2020.
Verified
Sam from the BFG looked after myself and my Fiancée when we got our first home purchase. Sam was very down to earth, professional and really went above and beyond to help us every step of the way. He helped us, offered us support and made sure we get through things very smoothly. he answered all our questions and was always available to chat, was very proactive and always had the answers. He treated us like Family, and we didn’t feel like we were just another customer to him but rather his professional and caring manner made our experience in navigating through getting our fist Margate much more easier. he is very knowledgeable of the market. Sam is someone you can trust to give you the best advise for your own good, and not for his personal gain, it is a very rarer quality to have especially in the mortgage business. i spoke about BFG to family and friends and would highly recommend them to anyone 🙂
Reta Fargi
Reta Fargi
September 9, 2020.
Verified
Samuel was very helpful and provided me assistance all the way from start to finish. The level of service that was provided was exceptional and professional, went out of his way to help even after loan was finalised. Would definitely recommend! Thanks alot for your assistance.
Albert Khamphounvong
Albert Khamphounvong
August 10, 2020.
Verified
From the moment I met Sam he’s provided nothing but excellent advice and service. Recently I have referred others to Sam and they have they have been pleasantly surprised by the amazing service provided by Benevolence. It’s very hard to come across great service and someone who’s on top of things in the lending industry. I highly recommend Sam and Benevolence!
M Roger
M Roger
July 21, 2020.
Verified
Samuel from Benevolence was very professional and knowledgeable. He went above and beyond to get my loan approved. He was very responsive and also very easy to deal with. He answered all my questions patiently and explained everything in detail. I highly recommend Benevolence Financial Group for all lending needs.
tessa win
tessa win
July 21, 2020.
Verified
Their mission to make a difference in the finance industry is really inspiring, and it’s great to know that whoever does business with them is contributing to making a difference in the world.
Ashlyne Ocampo
Ashlyne Ocampo
July 15, 2020.
Verified
My experience with BFG was like no other. Such professionalism and genuine care was displayed as they assisted with my home loan application. It is very rare to find a broker that legitimately puts the customers intention at heart. On top of that it was a great feeling knowing I had also contributed towards eradicating homelessness 😊
Nick Evbuomwan
Nick Evbuomwan
July 15, 2020.
Verified
I had the pleasure of being assisted by Samuel. He was really friendly and knowledgeable. He made the process of getting my first loan so much easier and simple. I couldn’t speak highly enough and recommend Samuel and the BFG team.
Masood Salehi
Masood Salehi
July 14, 2020.

Ready to get the best deal? Talk to us today.

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Frequently asked questions

Refinancing is easier than you think. You don’t have to deal with tons of paperwork and financial jargon.

Thanks to technology and open banking, Banks have made refinancing a simple and easy process. With some banks even promising a 7 business day process turnaround time.

We also use technology and systems to make this journey as simple and easy for you. You don’t need to print out any paperwork. Our process means we will complete the process in the least amount of time with the least amount of effort for you.

We have over 30+ banks and lenders giving you access to a wide pool of options to make sure you get a bargain on your loan.

We will do the research and analysis and make a ‘top 3’ recommendations that we think will fit best for your situation.

The finance industry regulator ASIC has established a new law called the ‘best interest duty’ for mortgage brokers.

We are obligated to ensure our recommendations are best for you and can be exposed to legal liability if we do not follow the regulation in place.

Additionally, our primary motivation is to serve customers and our community, not profit maximisation. We already invested significant parts of our profits to make this happen.

Once you fill out your information, we will contact you to organise our ‘first chat’. The first call will be a short chat to understand what is most important to you and gather information on your current position.
We want to learn more about you before making any recommendations. After our chat, we ensure your values and expectations align with what you’re looking for and commence our preliminary calculations. We will then go back to our panel of banks and negotiate with them to find the best offer for your circumstances. We will then organise a ‘recommendations chat’ to discuss which option is best suited for you and commence the application then if you are happy to proceed.

Like any other mortgage broker, we do not charge fees as we get paid commissions from the bank you go ahead with.

This does not impact the interest rate you’re charged because brokers reduce costs for banks (they do not need to employ more staff or have as many branches) and help get banks new customers.

In November 2020, 61% of all Australian home loan borrowers went through a mortgage broker instead of going direct to a bank. The main benefit was a wider range of options to find the best possible deal.

We are regulated by the Australian Securities & Investment Commission (ASIC) and under the National Consumer Credit Protection Act (NCCP).

Benevolence Financial Group is a credit representative (ACR 520956) of Vow Financial Pty Ltd (ACL 390261) Finance Brokers Association of Australia Limited Member Number: M-345414.

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