RF - Refinance
Refinance enquiries where the current loan is already on the table.
Homeowners actively looking to move an existing mortgage, with current lender, approximate balance, rate concern and equity position stated at the point of enquiry.
01Enquiry types in this book
- Rate reduction on an existing owner-occupier loan
- Repayment restructure or term extension
- Cash-out refinance for renovation
- Debt consolidation into the mortgage
- Coming off a fixed rate within 6 months
- Investment loan refinance
- Refinance to release equity for a second property
- Refinance after a credit event, self-employed included
02Fields on every record
- Full name
- Mobile (SMS verified)
- Email (deliverability checked)
- Refinance reason
- Current lender
- Approximate loan balance
- Estimated property value
- Equity position
- Fixed or variable, expiry
- Employment status
- Suburb / state / postcode
- Consent timestamp
Balances, values and equity positions are as stated by the enquirer. Verification covers contact details, consent and criteria match, not valuation or serviceability.
03Targeting and terms
Set the criteria, then buy.
- Refinance reason
- Buy rate-reduction only, cash-out and consolidation only, or the full refinance book.
- Loan balance bands
- Filter by outstanding balance, for example under $500k, $500k to $1m, or $1m plus.
- Equity threshold
- Restrict to enquirers stating equity above a set level where LVR sensitivity matters to your panel.
- Geography
- State level or a defined postcode set, so you only pay for enquiries where you write business.
- Volume
- Weekly or monthly caps, adjustable between cycles. No minimum commitment.
- Exclusivity
- One buyer per record, guaranteed in writing and retired from supply on delivery.
Availability is capped by postcode set so buyers aren't competing over the same market. Tell us where you write business and we'll confirm what's open.
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