If we cant save you money on your home loan - We'll give you a $250 gift certificate!*
Your MORTGAGE GUARDIAN.
Our main point of difference is that we aren't a standard mortgage broker offering you basic "rack rates"
We take time to get to know you and your circumstances and tailor a program to ensure you have the best opportunity to potentially save hundreds of thousands of dollars over the entire life of your loan.
We take pride in getting you the best possible rate and terms so you have less money stress in your life and more money in your pocket.
Best Rates
Our long-term, tried and trusted relationships with major banks, retail lenders, boutique lenders and the entire range of financial institutions means that we can negotiate the best rates and terms on your behalf.
Re-financing your mortgage and consolidating your debts has never made more sense
Face to Face
We take the time to get to know you and your needs before suggesting a program to refinance your home loan.
Big bankers don't take the time to learn who you are and why you've made the the financial choices you have to date. We believe this is vital when designing your personalised and tailored program for paying off your loan early - and saving you maximum dollars
Your Mortgage Guardian
No Stress
Here's how -
ANGELA and TIM approached our team at Ripple to discuss their options for refinancing due to the exorbitant rate that they were currently paying on their home loan.
Their 30-year $473,000 home loan rate had grown to 8.59%! We assessed their options, compared terms and placed them with another lender on a rate of 6.89%.
We also consolidated their personal debts - bringing their minimum total monthly loan repayments down from $5165 to $3441.
Thats $1700 back into their pockets each month.
They've decided to pay their original home-loan amount per month of $3,667/month.
Now Angela and Tim have a projected loan term of 30 years is down to 17 years. They could almost halve the life of their loan period.
By switching loans and making the minimum repayment ($3,112 per month):
Angela and Tim could save $199,857
($555 per month) over the life of the loan!
By switching loans and making higher repayments ($3,667 per month, the same minimum repayments as their current loan):
Angela and Tim could save $455,933 - or $1,935 per month over the life of the loan
They could pay off their loan 13 years earlier
$230,283 over the life of their home loan..
Here's how -
SARAH and JOHN came to the team at Ripple because they knew they could do better on their home loan.. but also weren't having much luck with their current lender - or any of the other Big 4 banks. They were both employed and in an ok position financially, but knew they were paying extra interest for no reason. They were also worried about their retirement timeline. They did not want to stop working and still have a mortgage to deal with.
Their 30-year $525,000 home loan rate was ok, but not the best. But they couldn't access a better rate on their own.
We assessed their options, compared terms - and placed them with another lender on a rate that was .81% less!
At the lower rate - they pay $3,111/month. Thats $277 back into their pockets each month.
By switching loans and making the minimum repayment ($3,111 per month):
Sarah and John could save $99,756
($277 per month) over the life of the loan!
Sarah and John could pay off their home loan 5.5 years earlier!
Less money wasted on your mortgage opens up a world of possibilities.
“I am extremely satisfied with the outstanding support and guidance offered by our broker throughout the entire transaction. Their dedication and attention to detail have exceeded my expectations. We highly recommend using Jarod at Ripple Finance.”
Gabrielle
“I want to express my appreciation for the excellent service provided by our broker. Their professionalism and expertise have truly made the process smooth and successful, will definitely use your services again.”
Angela
“We found the whole experience to be helpful, the staff were knowledgeable and friendly which made the process straightforward and stress free.”
Dawn
* Terms and conditions apply to this offer. Applicants must meet minimum requirements for a Re-Financing program.
** Case studies based on real Ripple clients. names and photographs have been changed for their privacy.
Disclaimer: Ripple Finance | ACN 635 010 936 | Credit Representative Number 519010 is authorised under Australian Credit Licence Number 395046 . Any financial guidance given here is anecdotal in nature and may not be applicable to all clients.