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

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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