Whether you settled last month or five years ago, the same team is here, and we already know your file. Ask us to check your rate, plan for a fixed rate ending, buy again, or send someone our way.
Pick one. If it's something else, call or message us and we'll point you the right way.
Lenders often give new customers sharper rates than loyal ones. We'll check yours and, if there's a gap, ask your lender first before anyone talks about switching.
Ask us to check →When a fixed rate ends, the loan rolls onto a variable rate. Stay, re-fix or switch: we'll put the numbers side by side a few months before.
Book a check-in →Upsizing, buying an investment, building or renovating. We already know your file, so you start ahead, not from scratch.
Talk it through →For a renovation, an investment or a business. We'll show how much is usable, what it would cost each month, and the structure that keeps it tidy.
Talk it through →Know someone who'd like a hand with a loan? Send them our way, once they've said yes to a call, and we'll look after them like we looked after you.
Send their details →A new job, a new baby, a separation, or repayments getting tight. Tell us early; there are usually more options the sooner we know. See also financial hardship.
Tell us what's changed →Upload a recent power or gas bill to Compare & Connect and see how the plans at your address compare. Moving? Connect power, gas and internet in one go.
See the bill check →Ask us to introduce you to a conveyancer, Allianz for home and car insurance, or an adviser for life insurance. We don't give insurance advice ourselves.
See who we work with →Tell us your lender, roughly what you owe and your rate if you know it. We'll compare it with what lenders are offering new customers and tell you whether it's worth asking for a better deal.
We'll use these details to respond to your request, as set out in our Privacy Policy. Please don't include account numbers or passwords. For a referral, only send someone's details once they've said yes to a call.
A broker from the team replies, usually within one business day, by phone or email, whichever you prefer.
We start from your file, not from scratch, and compare it with what lenders are offering today.
Often the first step is asking your current lender, not switching. If a move makes sense, we'll show the costs before anything happens.
If yours isn't here, ask cinchi (bottom right) or call 0458 872 992.
General information only. It doesn't take into account your objectives, financial situation or needs.
Same team, next move. A cinch.
I'm cinchi, Cinch Loans' AI assistant. I explain how Australian home loans and finance work, and when a question needs a current figure I check trusted sources like MoneySmart, Housing Australia, the RBA and the state revenue offices, and show you where it came from. Suvidh and the team give the actual advice. Your questions are saved so they can pick up where we left off, and when a question needs a person, I'll put you straight through on WhatsApp.
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cinchi is an AI assistant. It can be wrong. Figures are quoted from the source shown and change over time. Nothing here is personal credit advice or an offer of credit. Credit Guide · Privacy · Talk to Suvidh
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