No rate cut this month. But that shouldn’t stop you from taking control of your home loan.

The Reserve Bank might be playing the waiting game, but that doesn’t mean you should. If your home loan rate doesn’t start with a 5, it’s time to talk to MAW Money.

Even without a rate drop, the lending landscape is shifting. Banks are fighting for business behind the scenes, and a smart refinance can still deliver significant savings – if you know where to look.

Why using a broker matters right now

A good broker gives you more than just options. We give you access.
At MAW Money, we have a full panel of lenders, from the big four to smaller banks and non-bank lenders. That means more flexibility, more loan types, and more ways to structure your mortgage to suit you.

While your bank might offer one or two options (and rarely their best rate), we compare dozens of products to find a deal that’s tailored to your goals. Whether you’re refinancing, consolidating debts, upsizing, or investing, there’s no one-size-fits-all solution – and that’s exactly why brokers exist.

We do all the hard work – and you get all the benefit

• We’ll review your current loan and repayment setup

• We’ll assess whether your rate is competitive (spoiler: it probably isn’t)

• We’ll compare options across our lender panel

• We’ll negotiate with lenders for sharper deals

• We’ll manage the paperwork, the back-and-forth, and the switching process

And we’ll do it all with your long-term financial goals in mind.

Why refinance, even without a rate cut?

• Better rates are still out there. You just need someone to find them.

• Loan features matter. Offset accounts, redraw, flexible repayments – these make a difference.

• You can get ahead. Lower repayments or faster loan paydown – the right refinance gives you options.

• Banks are offering deals. From cashback to fee waivers, some lenders are still keen to win your business.

Here’s the truth:

If you’re on a rate that doesn’t start with a 5, and your bank hasn’t checked in lately, you’re probably paying too much. And waiting for the RBA to act could cost you thousands in the meantime.

The MAW Money difference?

We’re not here to sell a product – we’re here to find the right loan structure for you.
We’re your advocate, not the bank’s.
We keep lenders honest. We keep things moving. And we help you stay financially ahead.

The time to review your loan is now.
Let’s explore your options and make sure your mortgage is working as hard as you are.

MAW Money. We make finance simple.