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Fixed Rate Loan

What Is a Fixed Rate Loan?

A fixed rate loan is a home loan where the interest rate is locked in and remains unchanged for a set period – typically between one and five years. This means your interest rate and repayments stay constant throughout the fixed period, regardless of what happens in the broader market or with the Reserve Bank’s cash rate. Fixed rate loans provide certainty and predictability, allowing you to budget with confidence knowing exactly what your mortgage repayments will be for the duration of the fixed term. Once the fixed period ends, your loan typically reverts to a variable rate unless you choose to fix again.

When Might You Need a Fixed Rate Loan?

Fixed rate loans are ideal if you:

  • Value certainty and predictability: You want to know exactly what your repayments will be, making household budgeting easier and more reliable.
  • Expect interest rates to rise: You believe rates will increase and want to lock in current rates before they go up, protecting yourself from future rate hikes.
  • Have a tight budget: Your finances are carefully balanced and you can't afford unexpected increases in your mortgage repayments.
  • Are a first home buyer: You're new to homeownership and want the security of knowing your repayments won't change while you adjust to mortgage life.
  • Are planning major life changes: You're expecting a baby, changing careers, or have other significant life events coming up and want financial stability during the transition.
  • Prefer financial security over flexibility: You prioritize payment certainty over the ability to make unlimited extra repayments or access offset accounts.
  • Are purchasing at market peaks: When property prices and interest rates are relatively high, locking in a rate can provide protection if rates rise further.

Key Advantages of Fixed Rate Loans

  • Complete payment certainty: Know exactly what your repayments will be for the entire fixed period - no surprises, no fluctuations.
  • Protection from rate rises: If variable rates increase, your repayments stay the same, potentially saving you thousands of dollars.
  • Easier budgeting: Fixed repayments make household budgeting simpler and more predictable, reducing financial stress.
  • Peace of mind: Sleep better knowing your mortgage repayments are locked in regardless of economic changes or rate movements.
  • Protection during volatile periods: Shield yourself from rate fluctuations during uncertain economic times or periods of high inflation.
  • Potential significant savings: If rates rise substantially during your fixed period, you could save thousands compared to variable rate borrowers.
  • Suitable for tight budgets: Perfect for households with limited financial buffers who need payment stability.

How Fixed Rate Loans Work

Fixed rate loans operate differently from variable rate loans in several important ways:

Application and Approval

When you apply for a fixed rate loan, you choose:

  • The fixed rate period: 1, 2, 3, 4, or 5 years (most common)
  • The loan amount: How much you're borrowing
  • Repayment type: Principal and interest or interest-only

Once approved and settled, your interest rate is locked in for the chosen period.

During the Fixed Period

  • Your interest rate never changes
  • Your repayments remain exactly the same every month
  • Rate rises in the market don't affect you
  • Rate drops in the market don't benefit you
  • Limited ability to make extra repayments (typically capped at $10,000-$30,000 per year)
  • Usually no access to offset accounts or redraw facilities
  • Breaking the fixed term incurs significant costs (break fees)

End of Fixed Period

When your fixed term expires, you have several options:
  • Revert to variable: Your loan automatically converts to the lender's standard variable rate
  • Fix again: Lock in a new fixed rate for another term
  • Refinance: Move to a different lender for better rates or features
  • Split your loan: Divide between fixed and variable portions

Fixed Rate Terms Available

1 - Year Fixed

  • Shortest fixed term available
  • Lower rates than longer fixed terms
  • Suitable if you expect rates to drop soon
  • Less commitment if circumstances might change

2 - Year Fixed

  • Popular compromise between security and flexibility
  • Moderate rate commitment
  • Good if uncertain about medium-term plans

3 - Year Fixed

  • Most popular fixed term in Australia
  • Balance of security and commitment
  • Covers typical "settling in" period for new homeowners

4 - Year Fixed

  • Less common but available from most lenders
  • Higher rates than shorter terms
  • Extended security for those wanting longer certainty

5 - Year Fixed

  • Maximum fixed term from most lenders
  • Typically highest rates due to longer commitment
  • Maximum long-term security and protection
  • Suitable for those confident in long-term property ownership

Note: Some lenders occasionally offer 7-10 year fixed terms, though these are rare and typically have premium rates.

Fixed vs. Variable

Understanding the Difference

Fixed Rate Loans

  • Interest rate: Locked in for the fixed period
  • Repayments: Constant and predictable
  • Extra repayments: Limited (typically $10,000-$30,000 p.a.)
  • Offset accounts: Usually not available
  • Redraw facilities: Usually not available or very limited
  • Break fees: Significant if you exit early
  • Rate protection: Protected from rate rises
  • Rate benefit: Miss out if rates fall
  • Refinancing: Costly during fixed term

Variable Rate Loans

  • Interest rate: Changes with market movements
  • Repayments: Fluctuate up and down
  • Extra repayments: Unlimited without penalty
  • Offset accounts: Usually available
  • Redraw facilities: Usually available
  • Break fees: None (can exit anytime)
  • Rate protection: None (affected by rate rises)
  • Rate benefit: Benefit immediately from rate drops
  • Refinancing: Can refinance anytime without penalty

Interest Rate Comparison

Fixed rates and variable rates can differ depending on market conditions and lender expectations:

Example
  • Variable rate: 6.50% p.a.
  • 3-year fixed rate: 6.00% p.a.
  • Benefit: Save 0.50% p.a. for 3 years PLUS protection if rates rise

When Fixed Rates Are Lower Than Variable:

  • This typically occurs when lenders expect future rate cuts. Locking in a fixed rate lower than the variable rate can provide excellent value.

When Fixed Rates Are Higher Than Variable:

  • This occurs when lenders expect future rate rises. You pay a premium for certainty, but get protection against anticipated increases.
Example
  • Variable rate: 6.50% p.a.
  • 3-year fixed rate: 6.80% p.a.
  • Cost: Pay 0.30% p.a. extra for certainty
  • Protection: If rates rise to 7%+, you still pay 6.80%
Example: How Fixed Rates Can Help Protect You

Let’s see how a fixed rate loan performs during a period of rising interest rates:

Scenario
  • Loan amount: $500,000
  • Fixed rate: 6.00% p.a. (3-year term)
  • Initial variable rate: 6.00% p.a.
Year 1
  • Variable rate rises to 6.50%
  • Fixed rate borrower: $2,997/month
  • Variable rate borrower: $3,160/month
  • Monthly saving: $163 ($1,956 annually)
Year 2
  • Variable rate rises to 7.00%
  • Fixed rate borrower: $2,997/month (unchanged)
  • Variable rate borrower: $3,326/month
  • Monthly saving: $329 ($3,948 annually)
Year 3
  • Variable rate rises to 7.50%
  • Fixed rate borrower: $2,997/month (unchanged)
  • Variable rate borrower: $3,496/month
  • Monthly saving: $499 ($5,988 annually)

Total Savings Over 3 Years: $11,892

This demonstrates the significant protection fixed rates provide during rising rate environments.

Should You Fix When Rates Are Higher?

It depends on your priorities:

  • If you value certainty over potential savings: Yes
  • If you believe rates will rise beyond the fixed rate: Yes
  • If you want flexibility and can handle rate rises: No

Conversely: When Fixed Rates Cost You

If rates fall instead of rise, fixed rate borrowers miss out on savings:
Scenario
  • Loan amount: $500,000
  • Fixed rate: 6.50% p.a. (3-year term)
  • Initial variable rate: 6.50% p.a.
Year 1
  • Variable rate drops to 6.00%
  • Fixed rate borrower: $3,160/month
  • Variable rate borrower: $2,997/month
  • Extra cost: $163/month ($1,956 annually)
Year 2
  • Variable rate drops to 5.50%
  • Fixed rate borrower: $3,160/month (unchanged)
  • Variable rate borrower: $2,839/month
  • Extra cost: $321/month ($3,852 annually)

Total Extra Cost Over 2 Years: $5,808

This shows the risk of fixing when rates fall – you’re locked into higher rates and can’t benefit from decreases.

Break Fees: The Cost of Exiting Early

One of the most important considerations with fixed rate loans is the potential cost of breaking your fixed term:

What Are Break Fees?

Break fees (also called early repayment costs or economic costs) compensate the lender for the financial loss they incur when you exit your fixed rate loan before the term ends.

When Do Break Fees Apply?

  • Paying off your loan completely (selling property, refinancing)
  • Paying down more than the allowed extra repayment limit
  • Switching from fixed to variable before the term ends

How Are Break Fees Calculated?

Lenders use complex formulas based on:

  • Remaining fixed period: Longer remaining term = higher potential fees
  • Interest rate differential: Difference between your fixed rate and current wholesale rates
  • Loan balance: Higher loan = higher potential fees
  • Current market rates: If rates have fallen significantly, fees are higher

Example Break Fee Scenarios

Small Break Fee (Rates Have Risen):

  • Original fixed rate: 6.00% p.a.
  • Current market rates: 6.50% p.a.
  • Remaining fixed term: 2 years
  • Loan balance: $400,000
  • Break fee: $0-$2,000 (minimal, as lender can re-lend at higher rates)

Large Break Fee (Rates Have Fallen):

  • Original fixed rate: 6.50% p.a.
  • Current market rates: 5.50% p.a.
  • Remaining fixed term: 3 years
  • Loan balance: $500,000
  • Break fee: $15,000-$25,000 (substantial, as lender loses interest income)

Note: Break fees can range from $0 to $30,000+ depending on circumstances. Always calculate potential break fees before committing to fixed rates.

Situations That Trigger Break Fees

Refinancing

Switching to another lender or even changing loan products with the same lender during the fixed term.

Selling Your Property

When you sell and pay off the mortgage before the fixed term ends.

Making Large Extra Repayments

Exceeding the annual extra repayment limit (typically $10,000-$30,000 per year).

Switching to Variable

Requesting to switch from fixed to variable with the same lender before the term ends.

Porting Your Loan

Some lenders allow “porting” your fixed rate to a new property, but this isn’t universally available.

How to Avoid or Minimise Break Fees

how-to-avoid-or-minimise-break-fees
  • Choose the right fixed term: Don't fix for longer than you're confident you'll keep the property and loan.
  • Consider your life plans: Factor in potential job changes, relocations, family changes, or other circumstances that might require selling.
  • Use a split loan: Fix only a portion of your loan, keeping some variable for flexibility.
  • Time your fixed term carefully: If you might sell in 2-3 years, consider a shorter 2-year fix rather than 5 years.
  • Check portability options: Some lenders allow you to transfer your fixed rate to a new property.
  • Calculate before breaking: Always get a break fee quote from your lender before committing to any changes.
  • Wait until the end: If possible, wait until your fixed term expires naturally before refinancing or making major changes.

Restrictions on Fixed Rate Loans

  • Extra Repayment Limits: Most fixed rate loans limit extra repayments to $10,000-$30,000 per year. Exceeding this triggers break fees.
  • No Offset Accounts: Fixed rate loans typically don't offer 100% offset accounts. Some lenders offer partial offset (e.g., 40-60% offset), but full offset is rare on fixed rates.
  • Limited Redraw: Most fixed rate loans don't offer redraw facilities, or if they do, access is restricted and may incur fees.
  • No Interest-Rate Renegotiation: Once locked in, you can't negotiate a better rate if market rates fall - you're committed to your fixed rate.
  • Portability Restrictions: Not all fixed rate loans can be transferred ("ported") to a new property if you sell and buy again.
  • Inflexible During Fixed Term: Can't switch to interest-only, extend the loan term, or make other structural changes without breaking the fixed rate.
restrictions-on-fixed-rate-loans

When to Choose a Fixed Rate Loan

Fix When

  • Interest rates are low and expected to rise
  • You need budget certainty and can't afford payment increases
  • You're a first home buyer wanting stability
  • Economic conditions are uncertain or volatile
  • You're on a tight budget with limited financial buffer
  • You have major life expenses coming up (children, education)
  • You plan to hold the property for the entire fixed term
  • Inflation is rising and rate hikes are anticipated

Don't Fix When

  • Interest rates are high and expected to fall
  • You value flexibility over certainty
  • You want to make large extra repayments to pay off your loan faster
  • You might sell or refinance within the fixed term
  • You want offset account benefits
  • You have substantial financial buffers to handle rate rises
  • You're comfortable with variable rate fluctuations

Tips for Fixed Rate Success

  • Compare rates across multiple lenders: Fixed rates can vary significantly between lenders - let Crew shop around for the best deal.
  • Consider split loans: Instead of fixing 100%, fix 50-70% for security while keeping the rest variable for flexibility.
  • Match fixed term to your plans: If you might move in 3 years, don't fix for 5 years.
  • Read all terms carefully: Understand break fee calculations, extra repayment limits, and all restrictions before committing.
  • Consider your age and life stage: Young families might prefer longer fixed terms; older borrowers might want shorter terms for flexibility.
  • Factor in property plans: If renovating or potentially accessing equity, variable might be better.
  • Calculate total costs: Compare not just interest rates but also fees, features, and potential break fees.
  • Don't assume fixed is always better: Fixed rates provide certainty but aren't always cheaper - assess your personal priorities.
  • Review before expiry: Start shopping for new rates 3-4 months before your fixed term ends.
  • Consider economic indicators: Monitor RBA statements, inflation data, and expert forecasts when deciding whether to fix.
tips-for-fixed-rate-success

What Happens When Your Fixed Term Ends?

As your fixed term approaches its end (typically 30-60 days before), you have several options:

Option 1: Revert to Variable

  • Your loan automatically converts to your lender's standard variable rate. This requires no action but may result in a higher rate than you could get elsewhere.

Option 2: Fix Again with Same Lender

  • Contact your lender and negotiate a new fixed rate. You may be able to negotiate better than their advertised rates, especially if you've been a good customer.

Option 3: Refinance to Another Lender

  • Shop around and potentially switch to a different lender offering better fixed or variable rates. This gives you access to competitive rates and features.

Option 4: Split Your Loan

  • Divide your loan between fixed and variable portions to get the benefits of both.

Be Proactive

  • Don't wait until your fixed term expires to start exploring options. Begin researching rates and lenders 60-90 days before expiry to ensure you transition smoothly to the best rate.

Fixed Rate Loans for Different Borrower Types

First Home Buyers

  • Best approach: 3-year fixed for budget certainty during settling-in period
  • Consideration: Allows time to adjust to mortgage life without payment surprises
  • Tip: Consider 50/50 split to maintain some flexibility

Young Families

  • Best approach: 3-5 year fixed for stability during expensive child-raising years
  • Consideration: School fees, childcare, and family expenses are more manageable with predictable repayments
  • Tip: Ensure extra repayment limits accommodate potential inheritances or bonuses

Property Investors

  • Best approach: Variable or split for flexibility
  • Consideration: May need to access equity for additional purchases; break fees can be costly
  • Tip: If fixing, choose shorter terms (1-2 years) for more flexibility

Pre-Retirees

  • Best approach: Shorter fixed terms (1-3 years) or variable
  • Consideration: May downsize or pay off loan soon; want flexibility
  • Tip: Avoid long fixed terms that could trigger substantial break fees if downsizing

Self-Employed

  • Best approach: Fixed for budget certainty during variable income periods
  • Consideration: Income fluctuations make predictable repayments valuable
  • Tip: Ensure you can still service the loan during lean periods

Common Fixed Rate Mistakes to Avoid

Mistake 1: Fixing for Too Long

  • Fixing for 5 years when you might move in 3 years can result in expensive break fees.

Mistake 2: Fixing 100% of Your Loan

  • Losing all flexibility means you can't take advantage of rate drops or make extra repayments freely.

Mistake 3: Not Understanding Break Fees

  • Being shocked by $20,000 break fees when refinancing or selling.

Mistake 4: Fixing When Rates Are Peaking

  • Locking in high rates just before they fall means missing out on savings.

Mistake 5: Not Shopping Around

  • Taking your current lender's fixed rate without comparing alternatives with your Broker can cost thousands.

Mistake 6: Ignoring the Reversion Rate

  • Not considering what variable rate your loan reverts to after the fixed period ends.

Mistake 7: Fixing Without Life Planning

  • Not considering potential job changes, relocations, or family circumstances that might require selling.

Expert Tips: When Fixed Rates Are Most Valuable

Fixed rates provide the most value when:

Rate Rise Cycle Beginning

Early in a rising rate cycle, before the RBA has implemented multiple increases.

Economic Uncertainty

During periods of high inflation, global instability, or economic uncertainty when rate movements are unpredictable.

Low Rates + Rising Inflation

When rates are still relatively low but inflation is climbing, signaling future rate rises.

Tight Personal Budget

When your household budget has no room for payment increases.

Lender Competition

When banks are competing aggressively on fixed rates, offering below-variable-rate deals.

Fixed Rate Resources and Tools

RBA Official Cash Rate

Monitor the Reserve Bank of Australia’s cash rate decisions and commentary, as these directly influence fixed and variable rates.

Break Fee Calculators

Many lenders provide online calculators to estimate potential break fees before you commit. Crew can keep you informed all the way.

Economic Forecasts

Follow expert economic forecasts from major banks and financial institutions about rate direction.

Your Mortgage Broker

Engage an experienced broker who monitors rates daily and can advise on optimal timing and lender selection.

Who Benefits Most from Fixed Rate Loans?

Fixed rate loans are particularly valuable for:
  • First home buyers seeking stability and predictability
  • Budget-conscious borrowers with limited financial buffers
  • Growing families facing increasing expenses
  • People entering uncertain employment or life transitions
  • Risk-averse borrowers who prioritize certainty over potential savings
  • Those borrowing at market lows wanting to lock in good rates
  • Anyone expecting rate rises based on economic conditions
is-a-fixed-rate-loan-right-for-you

Is a Fixed Rate Loan Right for You?

A fixed rate loan might be right for you if:

  • You value certainty and want predictable repayments
  • You believe interest rates will rise in the near future
  • You're on a tight budget and can't afford payment increases
  • You're planning to hold the property for at least the fixed term
  • You don't need to make large extra repayments
  • You can manage without offset account benefits
  • You understand and accept break fee risks

However, a fixed rate may not be suitable if:

  • You want maximum flexibility to make extra repayments
  • You need offset account benefits to minimise interest
  • You might sell or refinance during the fixed term
  • You believe rates will fall and want to benefit
  • You value flexibility over certainty
  • You want the option to restructure your loan easily

Our Fixed Rate Expertise

At Crew Financial, we help you navigate fixed rate decisions with expert guidance:
  • Rate monitoring: We track fixed rates daily across 40+ lenders to find you the best deals.
  • Timing advice: We provide insights on when to fix based on market conditions and RBA forecasts.
  • Break fee calculations: We help you understand potential break fees before you commit.
  • Term recommendations: We assess your circumstances to recommend optimal fixed terms.
  • Split loan structuring: We can structure split loans that balance certainty with flexibility.
  • Lender negotiation: We negotiate competitive fixed rates on your behalf.
  • Refinance planning: We review your position before fixed terms expire to ensure smooth transitions.

Getting Started

Ready to explore whether a fixed rate loan is right for you? Here’s how to begin:
  • Contact us for a discussion about current rates and market conditions
  • Share your circumstances and plans so we can assess the best approach
  • Receive personalised recommendations on fixed terms and lender options
  • Compare rates across multiple lenders to find the best deal
  • Understand all terms, restrictions, and break fees before committing
  • Make an informed decision that balances certainty, cost, and flexibility

Fixed rate loans can provide valuable certainty and protection, but only when structured properly for your unique situation. Get in touch today to discuss whether fixing your rate makes sense for you, and discover how we can help you secure the best possible fixed rate for your needs.

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parviz G.
Richard personally did all the hard work very professional we couldn’t ask for more got us real good rates extremely happy highly recommended
Response from the owner:Happy we could be of service Parviz. Thank you for your review.
Georgie R.
Thanks Matt, Ian and the crew at Crew Financial for helping us buy our first home. We honestly had no idea where to start, but Ian took the time to answer every question and made the whole process feel so much less stressful. We always felt supported and knew we could reach out whenever we needed. Really grateful for all the hard work and help getting us into our first home!
Response from the owner:Thank you so much for the kind words! We’re so glad Ian, Matt and the Crew Financial team could help make the process feel easier and less stressful for your first home purchase. Congratulations again on such an exciting milestone, and thank you for trusting us to be part of the journey! 🏡
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We cannot thank our financial broker enough for all the help and support they gave both my daughter her partner and myself throughout the entire process of securing finance for her first home. From start to finish, they were incredibly helpful, patient, and understanding every step of the way.

No question was ever too silly to ask, and they always took the time to explain everything clearly and guide us through what could have been a very stressful process. Their knowledge, kindness, and constant reassurance made such a difference and gave us so much confidence along the way.

We are so very grateful for all the guidance, care, and effort they put into helping my daughter and her partner achieve their dream of buying their first house. We highly recommend them to anyone looking for a broker who genuinely cares about their clients and goes above and beyond to help.

Thank you again for everything — we truly appreciate it more than words can say. Thanks Matt you're a legend
Response from the owner:Thank you so much for your incredibly kind words. It was an absolute pleasure helping your daughter and her partner through such an exciting milestone, and I’m so grateful to have been able to support your family throughout the journey. Congratulations again to your daughter and her partner on their first home — such an amazing achievement! Thank you again for trusting me to be part of it, and for taking the time to leave such a thoughtful review. It truly means a lot. Matt
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Special thanks to Ian and Matt for helping us in buying our first investment property.
Response from the owner:Thank you for the kind review, Joshua. Ian and Matt are thrilled they could help you purchase your first investment property and congratulate you on this milestone. We look forward to supporting your future investments. Your feedback is appreciated. Crew Financial
Ray S.
James did an excellent job helping me refinance a complicated loan structure that needed to be completed within a very short timeframe. He dealt professionally with numerous difficulties and delays from the banks and worked hard to keep everything moving throughout the process.

Communication was excellent the entire way through, with quick responses to questions and fast action whenever issues arose. I really appreciated his persistence, professionalism, and ability to navigate a difficult situation successfully. I would highly recommend James to anyone looking for a knowledgeable and reliable mortgage broker.
Response from the owner:Thank you, Ray, for taking the time to share your experience. We’re thrilled James was able to navigate the complex refinance and meet your tight timeframe while keeping communication clear and prompt. I’ll be sure to pass your praise along to him and the team. Please reach out any time if you need assistance in the future. Your feedback is appreciated. Crew Financial
Joziane G.
Amazing experience with Jeramy. He was able to think out the box when there was some limitations and worked as hard as he could to get me the best outcome.
Response from the owner:Thank you for your kind words, Joziane. We're thrilled Jeramy could think outside the box and work so hard to deliver the best outcome despite the limitations. We’ll be sure to pass along your praise to him. We look forward to assisting you again. Your feedback is appreciated. Crew Financial
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Dan from Crew Financial has helped broker 2 loans for me - communication, efficiency and customer service were second to none.
Response from the owner:Thank you so much, Aine, for the wonderful review. We’re thrilled Dan and the Crew Financial team delivered exceptional communication, efficiency, and customer service for both loans. We appreciate your trust and look forward to assisting you again or anyone you refer. Your feedback is appreciated. Crew Financial
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Excellent experience
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Kirk C.
Brett was amazing to deal with. I honestly couldn’t recommend him more highly. Professional, knowledgeable and incredibly responsive. I would absolutely recommend Brett for anyone looking for a reliable and trustworthy mortgage broker.
Response from the owner:Thank you for taking the time to share this glowing feedback. We're thrilled Brett was professional, knowledgeable, and responsive throughout your experience. Your recommendation means a lot to us and to Brett personally. We’ll be sure to pass along your kind words. If you ever need assistance again, we’re here to help. Your feedback is appreciated. Crew Financial
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As first home owners we loved dealing with our Mortgage Broker Melina. She was down to earth, sincere, gave us a lot of her time and really seemed to care for us in our unusual set of circumstances. She found us a few suitable options with various banks which was so encouraging given our ages and finances. Thank you Melina! We will certainly recommend you to our friends and family as you came so highly recommended to us.
Response from the owner:Thank you so much for your kind words, Cherie. We're thrilled Melina could guide you through your first home purchase and provide sincere, personal support during your unique circumstances. It's wonderful she was able to find multiple bank options and help you feel confident. We truly appreciate your recommendation to friends and family and wish you all the best in your new home. Your feedback is appreciated. Crew Financial
Kate B.
I was recommended Brett Jeffery from a friend and I couldn’t recommend him more; he created a stellar experience for me in my property purchase. His communication was detailed, prompt and simple to understand and he made the whole process of buying property completely easy. Would recommend him to everyone I know who is looking for a mortgage broker.
Response from the owner:Thank you so much for the kind words, Kate — we’re thrilled Brett made your property purchase smooth and easy. We appreciate your recommendation and are glad his clear, prompt communication made the process simple for you. We look forward to helping any friends or family you send our way in the future. Your feedback is appreciated. Crew Financial
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Best brokers for aircrew, hands down!
Rick and the team were lighting fast in assessing my case and facilitating a loan approval interstate. Rick’s ability to translate our notoriously complex payslip and allowances system to banks is invaluable to securing a loan.
Elisha was always available to promptly answer any question throughout the process.
My real estate agent even commented she had never seen a loan approval letter coming in so fast in a settlement in all her years. Took just 2 days!
Thank you Crew Financial!
Response from the owner:Thank you so much for this fantastic review, Beryl. We’re thrilled Rick and the team could move so quickly and that his explanation of your payslip and allowances helped secure the interstate loan in just two days. I’ll pass your kind words on to Rick and Elisha — they’ll be delighted. We appreciate the recommendation and are here whenever you or your colleagues need assistance again. Your feedback is appreciated. Crew Financial
Andrew H.
Excellent Broker, they were able to get us a loan at a difficult time and we successfully purchased the Property we wanted. I have now also successfully done a refinance with Crew Financial and my service was again excellent!
Corey P.
Adoni at Crew Financial has once again delivered outstanding results for us. This was our second complicated home loan with him, involving tricky income structures and higher borrowing needs, and he handled everything with the same expertise, patience, and professionalism as the first time.
He took the time to deeply understand our situation, fought hard to maximise our borrowing capacity (more than any other lender could offer), and secured an excellent rate with a smooth, stress-free process from start to finish. Communication was always prompt, clear, and reassuring.
If you’re dealing with anything but a straightforward loan, Adoni is the broker you want in your corner. Highly, highly recommend – we won’t go anywhere else! Thank you, Adoni and the Crew Financial team! 🚀
Response from the owner:Thank you, Corey, for the fantastic review and for trusting Adoni and the Crew Financial team with another complex home loan. We’re thrilled Adoni’s expertise, persistence, and clear communication secured the borrowing capacity and rate you needed while keeping the process smooth and stress-free. Your recommendation means a lot, and we look forward to supporting you again whenever you need us. Your feedback is appreciated. Crew Financial
Derek H.
Jeremy and the team at Crew Financial have demonstrated exemplary professionalism and service well above what is expected. Their contacts in various related fields allow for comprehensive advice in more complex scenarios such as mine. I cannot speak highly enough of Crew Financial, and actively recommend them to anyone in need of property acquisition services.
Response from the owner:Thank you so much for your kind words, Derek! We are pleased to hear that you were satisfied with our service and professionalism. It's our goal to provide comprehensive advice for complex scenarios. Your positive recommendation is highly appreciated.
Miguel S.
Thanks again to the amazing team at crew financial. Matt and Jodie went out of their way to get my loan sorted before the Xmas break.
Absolutely no hesitation recommending crew financial.
Response from the owner:Thank you for your amazing feedback, Miguel! We're thrilled to hear that you've had consistent positive experiences with our team and that Matt has been particularly helpful. Your support and recommendations mean a lot to us. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Maxine P.
We had an excellent experience working with this finance company to secure our home loan approval. Their service was consistently professional and accommodating, taking the time to explore different options with us as our living circumstances changed.

What stood out most was their thoughtful and understanding approach. They were honest, transparent, and always willing to provide clear information — even going above and beyond when we had lots of questions to ensure we fully understood the process. They also offered practical tips and suggestions when it came to making an offer, which gave us added confidence during a stressful and competitive time.

Importantly, they were flexible and willing to meet and talk with us both during and outside of standard business hours, ensuring our needs were always supported. Their ability to move quickly and secure a loan with great terms made all the difference in a fast-paced property market. We felt supported every step of the way and truly valued their open communication and genuine care.

We would highly recommend them to anyone looking for loan approval, especially if you want a team that is responsive, trustworthy, and capable of executing swiftly to help you secure the right property.
Response from the owner:Thank you for your wonderful feedback, Maxine! We're thrilled to hear that you had such a positive experience with our team during the home loan process. Our goal is to provide personalized support and clear communication, so it's great to know that we were able to meet your needs. We appreciate your recommendation and look forward to helping more clients achieve their homeownership dreams. Your kind words inspire us to continue delivering exceptional service! Your feedback is appreciated. Crew Financial
Nicole S
My family has used Crew Financial’s brokerage services three times in the last couple of years. Matt and Jodie are simply outstanding. Their professional knowledge skills and abilities are first class while retaining a personal and friendly approach. We have had excellent results on each occasion. I highly recommend their services.
Response from the owner:Thank you so much for your kind words, Nicole! We truly appreciate your trust in our services and are thrilled to hear about your positive experiences with Matt and Jodie. Delivering professional and friendly service is our priority, and it's rewarding to know we’ve met your expectations. Your recommendation means a lot to us, and we look forward to assisting your family with any future needs. Your feedback is appreciated. Crew Financial
Jack
The team at Crew Financial have been fantastic. From helping us with prospective properties to finalising our pre approval in a very timely manner, I cannot fault their service and motivation to get people what they are looking for. Looking forward to continuing to use their services well into the future.
Response from the owner:Thank you for your wonderful feedback, Jack! We are thrilled to hear that you had a fantastic experience with our team. Your satisfaction and trust mean a lot to us, and we are excited to assist you in your future financial endeavors. Please don't hesitate to reach out anytime you need support. Your feedback is appreciated. Crew Financial
bob
Dealing with Matt (and the team at Crew Financial) has been one of the most beneficial and de-stressing experiences of my financial life. Having purchased six properties in my life, I'm actually relieved to have refinanced (during COVID) and now restructured for an investment, with Crew Financial. Matt saved me over 1.2% when my 25 year lender, wouldn't give me their 'best rate' (due to being an 'existing customer '). A very good outcome given my income was a fifth (yep 20%!) of what it was before the COVID stand down. Matt's understanding of the intricacies of financial matters, has helped me to structure and invest late in my career, without reservation or anxiety. I recommend Matt and Crew Financial, unreservadly. David Foreman
Response from the owner:Thank you for your fantastic review, David! We're thrilled to hear that you had such a positive experience with Matt and the Crew Financial team. It’s great to know that we could help you save significantly while providing support during a challenging time. Your recommendation means a lot to us and we look forward to continuing to assist you with your financial journey. Your feedback is appreciated. Crew Financial
Paris A.
Rick at Crew Financial does incredible work, highly knowledgeable, professional and makes us feel supported every step of the way! We cannot thank him enough for all of his guidance and support!
Response from the owner:Thank you for your wonderful review, Paris! We're thrilled to hear that Rick provided you with exceptional service and support. Your satisfaction is our priority, and we appreciate your kind words. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Channon K.
Our best experience purchasing a new home yet! Brett and the team were thorough and kept us in the loop every step of the way.
Highly recommend
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett and the team provided you with such a positive experience while buying your new home. Keeping our clients informed is a top priority for us. We appreciate your recommendation and wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Channon K.
Brett and the team from Crew Financial were great to work with. They helped us through our unique situation of owning a new business and made the process easy and seamless. We would definitely use them again.
Response from the owner:Thank you for your wonderful feedback, Channon! We're thrilled to hear that Brett and the Crew Financial team were able to assist you with your unique situation. Making the process as easy and seamless as possible is our priority. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Amanda G.
We would like to extend a heartfelt thank you for the exceptional support and professional service provided during our home loan process. From start to finish, we felt fully informed every step of the way. Crew Financial were knowledgeable and responsive, making what could have been a complicated journey smooth and straightforward. Thank you for your outstanding assistance!
Response from the owner:Thank you so much for your kind words, Amanda! We're thrilled to hear that our team was able to provide you with exceptional support during your home loan process. It’s our goal to keep our clients informed and make the experience as smooth as possible. Your feedback means a lot to us, and we're grateful for the opportunity to assist you. We wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Helena B.
the crew have been extremely patient, yet extremely professional , and I thank Rick , Jodie and team by for their support and great care in acquiring a good deal for my new home ! Great tram if hard workers
Response from the owner:Thank you for your wonderful feedback, Helena! We're thrilled to hear that Rick, Jodie, and the rest of the team provided you with the patient and professional support you needed. Delivering the best possible experience for our clients is our top priority, and it’s fantastic to know that you felt cared for throughout the process. Enjoy your new home! Your feedback is appreciated. Crew Financial
Christina I.
I recently refinanced my home loan with the help of Adoni and I couldn’t be happier with the experience. From the very first consult, he took the time to truly understand my financial goals and walked me through every step of the process with patience and clarity.

What really stood out was his professionalism, deep knowledge of the mortgage market, and commitment to finding me the best possible rate. Adoni kept me informed at every stage, promptly answered all my questions, and made what could have been a stressful process feel smooth and effortless.

Thanks to him I was able to secure a significantly better rate and reduce my monthly payments. I genuinely felt like I was in capable, trustworthy hands from start to finish.

I highly recommend Adoni and Crew Financial to anyone considering refinancing or applying for a new loan. Exceptional service, honest advice, and real results — everything you could ask for in a financial professional!
Response from the owner:Thank you for your wonderful review, Christina! We're thrilled to hear about your positive experience with Adoni during your home loan refinance. His dedication to understanding clients' financial goals and providing exceptional service is exactly what we strive for. We're glad that you found the process smooth and that you secured a better rate. Your recommendation means a lot to us, and we appreciate your trust in Crew Financial! Your feedback is appreciated. Crew Financial
Troy B.
Seamless process with the customer at the forefront. James took the time to understand our circumstances and give the best market advice for us. His communication skills were excellent, and no task was an inconvenience throughout the whole process.

Highly Recommend and look forward to using James services in the future.
Response from the owner:Thank you for sharing your positive experience, Troy. We're thrilled to hear that James provided such exceptional service and support throughout your process. Your recommendation means a lot to us, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Ange S.
This is the 3rd time our family have worked with Brett from Crew Financial. Hopefully there will be many more times. Brett is an awesome human being that goes above and beyond to assist and obtain the best deal possible. Great communication, anytime, any day with great outcomes! Highly recommend!
Response from the owner:Thank you for sharing your detailed experience, Ange! We're thrilled to hear that Brett provided you with the support and expertise you needed during such a delicate time. Your recommendation means a lot to us, and we're glad we could help you successfully purchase your father's home. We appreciate your trust in Crew Financial and look forward to assisting you in the future! Your feedback is appreciated. Crew Financial
Adam T.
Matt and his team have been a breath of fresh air to deal with. They actively listened to our needs for the refinance and offered excellent products to manage and in fact exceed expectations
Response from the owner:Thank you for your fantastic feedback, Adam! We're thrilled to hear that Matt and the team were able to meet and exceed your expectations during the refinance process. Your satisfaction is our top priority, and it's great to know we achieved that for you. We appreciate your trust in us and look forward to working with you again in the future. Your feedback is appreciated. Crew Financial
Ryan C.
We’re incredibly grateful to Rick and Elisha for helping us secure our first home. From the very beginning, they were professional, knowledgeable, and genuinely supportive. Their advice was clear and reassuring, and they made the entire process feel smooth and manageable.

One of the standout moments was their recommendation of a building and pest inspector, which helped us identify key issues early and gave us peace of mind moving forward. It’s that kind of thoughtful, proactive support that made all the difference.
Thanks to their expertise and dedication, we felt confident every step of the way. We couldn’t have asked for better guidance or service.

Highly recommend them to anyone looking for trusted mortgage brokers!

Ryan and Mia
Response from the owner:Thank you so much for your kind words and for sharing your experience with Rick and Elisha. We're thrilled to hear that their professionalism and support made your home-buying journey smooth and manageable. It's great to know that their proactive approach, especially with the building and pest inspector recommendation, provided you with peace of mind. We appreciate your recommendation and wish you many happy moments in your new home! Your feedback is appreciated. Crew Financial
Brett C.
Did a great job helping me structure my investment loans … thanks again
Response from the owner:Thank you for your fantastic feedback! We're glad to hear that our team was able to assist you in structuring your investment loans effectively. Your satisfaction is our priority, and we appreciate your trust in us. If you have any other needs in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Donna W.
Highly Recommend Melina and Carlo from Crew Financial!

Melina and Carlo were absolutely fantastic to deal with. Melina came highly recommended by a close friend and her knowledge and commitment to helping me navigate my home loan was clear from our first meeting. I felt supported the whole way through - nothing was ever too much trouble. I wouldn’t hesitate to recommend Melina and Carlo to anyone looking for a reliable, knowledgeable, and down-to-earth mortgage broker.
Response from the owner:Thank you so much for your wonderful feedback, Donna! We're thrilled to hear that Melina and Carlo provided you with the support and expertise you needed for your home loan. Their dedication to helping clients is truly commendable, and your recommendation means the world to us. We're glad you had a positive experience and appreciate you taking the time to share it! Your feedback is appreciated. Crew Financial
Nikki Y.
Thank you, as always we have received such wonderful service with such a personal approach and understanding of our specific financial needs. Thanks for being so responsive and for making the process so easy for us.
Response from the owner:We greatly appreciate your kind words and are thrilled to hear that you received wonderful service tailored to your financial needs. It's our goal to make the process as seamless as possible for you. Thank you for trusting us, and we look forward to continuing to serve you in the future. Your feedback is appreciated. Crew Financial
Aaron G.
Matt, Jodie and the team are awesome. Great communication, great support throughout the whole loan process. Five stars!!!!!
Response from the owner:Thank you for your fantastic review, Aaron! We're thrilled to hear that you had a great experience with Matt, Jodie, and the team. Your feedback on our communication and support means a lot to us. We appreciate your trust and look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Richard Y.
Wow! Thank you Crew Financial ! Elisha worked through a few challenges and came up with a great solution for us. This is why we use the experts ( Again). First in Class every time!
Response from the owner:Thank you for the fantastic review, Richard! We’re glad to hear that Elisha was able to navigate through the challenges and provide you with an effective solution. Your trust in our expertise means the world to us. We appreciate your continued support and look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
J G
Very professional and helpful advice. A seamless process for setting up an investment loan
Response from the owner:Thank you for your kind words! We're glad to hear that you found our advice professional and helpful, and that the process for setting up your investment loan was seamless. Your satisfaction is our top priority, and we appreciate your trust in our services. If you need any further assistance, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
D B
Pretty seamless process.
I had no time constraints so it seemed to step through a needed
Response from the owner:Thank you for your feedback! We're glad to hear that you found the process to be seamless. If you have any suggestions for improvement or if there's anything else we can do to enhance your experience, please let us know. We appreciate your support and look forward to serving you again! Your feedback is appreciated. Crew Financial
Grace S.
Was referred to Crew Financial to seek assistance in securing a mortgage for a first home purchase. Spoke to Jodie who very much went above and beyond to help us with our situation. She was more than happy to answer our questions and clear up any confusion we had even with knowing we had another application with another broker. I happily recommend Crew Financial and Jodie to anyone seeking help with a loan!
Gary K.
This is the second time I have asked Crewfinancial to arrange loans and again they have been outstanding. Not only do they react immediately and positively to problems from outside their control but proactively avoid problems eventuating. Their communications are excellent and the energy and effort are beyond description. They work into the night or on weekends, whatever is needed to help their clients. I cannot recommend this organisation highly enough. Thank you for all you did, I would only ever use CrewFinancial in the future.
Response from the owner:Thank you for your fantastic review, Gary! We greatly appreciate your continued trust in CrewFinancial for your loan arrangements. It's wonderful to hear that our team's dedication and proactive approach have made a positive impact on your experience. Your recommendation means a lot to us, and we're thrilled to have earned your loyalty. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Joshua W.
I cannot recommend Brett at Crew Financial highly enough! From start to finish, he always goes above and beyond, putting in 110% to make sure we’re looked after. This is the second time we’ve worked with Brett, and the level of care, professionalism, and commitment he shows each time is outstanding. He makes the whole process stress-free, explains everything clearly, and ensures we’re always in the best possible position. Also a special mention to the Settlement Coordinator, Carlo, whose support and attention to detail made the process seamless. We’ll definitely be back for a third time when the need arises.
Response from the owner:Thank you for your glowing review, Joshua! We're thrilled to hear that Brett and Carlo provided you with excellent service and made your experience stress-free. Your appreciation of their professionalism and attention to detail truly means a lot to us. We look forward to assisting you again in the future! Thank you for choosing Crew Financial. Your feedback is appreciated. Crew Financial
L K.
Amazing service! I’m a sole trader and didn't have a full years worth of financials at the time and Brett still found smart workarounds to get me approved. When the financial year ticked over he was able to refinance and get me an even better rate! Super easy to deal with and always helpful. Highly recommend. Cheers Brett 👍🏽
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett was able to find solutions that worked for you and secure a better rate upon refinancing. Your recommendation means a lot to us, and we're glad you found the process easy and helpful. We look forward to supporting your future financial needs! Your feedback is appreciated. Crew Financial
Shane S.
Amazing work by Matt and the team. They handled our situation with ease and professionalism at every stage. Got us well above the result we had hoped for! Couldn’t recommend highly enough
Response from the owner:Thank you for your fantastic feedback, Shane! We're thrilled to hear that Matt and the team exceeded your expectations. Your recommendation means a lot to us. We're always here to help, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Glen H.
The crew financial team are top notch! They kept me well informed every step of the loan application and property purchasing process. Any questions were handled quickly and thoroughly. A relief to have such a team to guide you through a process few of us do often!
Response from the owner:Thank you for your wonderful review! We're thrilled to hear that our financial team was able to provide you with the support and guidance you needed throughout the loan application and property purchasing process. Your satisfaction is our priority, and we appreciate your trust in us. If you need anything else in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Tom L.
Highly recommend Crew Financial.
Response from the owner:Thanks for the review Tom. We really do care about getting excellent results for our clients.
Nikki S.
Adoni from Crew Financial was instrumental in us being able to purchase our new property. He was able to secure us more borrowing capacity than any other lender, and was an absolute delight to deal with. He has been super responsive and never made us feel stupid ( I had MANY stupid questions!) or pressured. Very clear communication made the settlement process seamless and we will absolutely be recommending Crew Financial and Adoni to all our friends and family.
Response from the owner:Thank you so much for your wonderful feedback! We're thrilled to hear that Adoni was able to assist you in securing your new property and that his responsiveness and support made your experience enjoyable. We pride ourselves on clear communication and are delighted to know that you felt comfortable throughout the process. Your recommendations to friends and family mean the world to us. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Andrew P.
Great professional service, highly recommended.
Response from the owner:Thanks Andy, look forward to hearing how the build goes.
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