START SAVING ON
YOUR MORTGAGE

With over a decade of finance  and banking experience our
team delivers expert guidance and exceptional care at every step.
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Our Role in
Your Refinance
Journey

Your financial situation and the lending market are constantly evolving, which means the loan that worked for you years ago might not be your best option today.

We conduct a comprehensive review of your existing loan, compare it against the market, and identify opportunities to save on interest rates, access better features, or unlock equity for future goals. From there, we manage the entire refinancing process, from liaising with lenders, handling paperwork, and ensuring a smooth transition. Our goal is to put you in a stronger financial position with minimal effort on your part.
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Why Choose Fruition Financial?

Peace of Mind Process

Our service comes at no cost to you, we're paid by the lender you choose, not by you. Whether you proceed with a loan or decide it's not the right time, there's absolutely no fee or obligation. We're here to provide expert guidance and support, risk-free.
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Decade of Experience

With over ten years in the finance industry, our team has navigated countless market conditions and helped hundreds of clients achieve their property goals. This experience means we know how to structure applications, anticipate challenges, and secure outcomes efficiently.

Ongoing Management

Our relationship doesn't end at settlement, we stay with you for the long haul. We proactively monitor your loan, reach out when better rates become available, and fight on your behalf to ensure you're always getting the best possible deal.

We used Zack to buy our first home! He took all the stress away and supported us in every way possible. We couldn’t be more grateful and have found a broker we will use for life. Thanks Zack!

Larissa Humphreys

We cannot recommend Fruition Financial highly enough. We've been trying to get a suitable home loan for YEARS with many different brokers unsuccessfully. Fruition Financial just go above and beyond for you. We can finally say thanks to them we now have our approval that we've waited years for through their determination and work ethic 🤩

Leah Lewis

Zack was absolutely incredible to work with!He made the entire process smooth, stress-free and easy to understand from start to finish. He went above and beyond to get us the best possible outcome and communication with him was a breeze always keeping us in the loop and he was very on the ball. I couldn’t recommend Zack more highly!

Katie Thain

Zack is absolutely brilliant at what he does. Not only was he great at getting the right finance and interest rate for us, he is one of the loveliest guys you could meet. We felt like we had know Zack for ages and he is so easy to talk to, you can really tell he cares about his clients. We were never left chasing him. I wouldn’t use any one else for financing after finding Zack.

Kay Mac

I gave Zack & his team a tough task which included tight deadlines that was navigated to the highest level. His knowledge & experience in this industry was on display during this one! Well done Team, Well done!

James Coote

Zack (Mr wonderful) was such a big help not only successfully obtaining my new investment property but guiding me through all the property reports and choosing the right financial institution to meet my need’s. He was always there at odd hours late at night and weekends to help with the choices and many questions. Thank you Zack

Rachelle Barbara

We have worked with Mark and now Zack for close to 2 years.We have worked with others within this industry for many many years from a commercial and private position, and this team ‘clearly is far and above any others in financial services’ that I have dealt with. Almost everytime you get the result you want from accounting to lending/borrowing. In my opinion, if you are reading this you should do yourself a favour and make contact with them especially is you are a SME.

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Discover Sports Group

Where to begin! My partner and I have been on the hunt for a home for a little while and Zack has been nothing but helpful and patient through the whole process. As of last week we finally secured our first home and could not have done it without Zack! So extremely happy with all outcomes!

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Brittany Gocher

Zack has been an absolute lifesaver during our home loan journey. After our initial pre-approval, our situation unexpectedly changed, and we thought we’d face major delays. But Zack stepped in, reassessed everything, and got us a brand-new unconditional approval in less than 24 hours. His speed, expertise, and steady communication kept us calm and confident throughout. If you’re looking for someone who genuinely has your back and gets things done, Zack is the person you want by your side.

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Bovas Babu Joseph

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FAQs

Looking for an answer?

What is a refinance loan?
A refinance loan is a new home loan that replaces your existing mortgage. People typically refinance to secure a lower interest rate, access better loan features, change their loan term, or tap into their property's equity for other purposes. The refinancing process involves applying for a new loan, which is then used to pay out your current mortgage. While refinancing can offer significant benefits, the process involves paperwork and assessment, that's where we come in to make it straightforward and stress-free.
How do I know when I should refinance?
Several factors can indicate it's time to consider refinancing:

‍Interest rates: If rates have dropped since you took out your loan, you could save significantly by refinancing to a lower rate. However, if rates are rising, it may be worth waiting.

‍Your financial situation: If your income has increased or your expenses have decreased, you may qualify for better loan terms. Conversely, if your situation is uncertain, it might be wise to wait for stability.

‍Loan terms: If you're unhappy with your current interest rate, loan features, repayment structure, or lender service, refinancing can help you find a better fit.

‍Potential savings vs. costs: The savings from a lower rate or better terms should outweigh any discharge fees, application costs, or other refinancing expenses.

Every situation is unique, so we recommend speaking with us to assess whether refinancing makes sense for your circumstances and timing.
What are the benefits of refinancing?
Refinancing can deliver multiple advantages depending on your goals:

‍Lower interest rates: Secure a more competitive rate and reduce your monthly repayments

‍Better loan features: Access offset accounts, redraw facilities, or more flexible repayment options

‍Shorter loan term: Pay off your mortgage faster and save on interest over the life of the loan

‍Remove LMI: If your property has increased in value, you may be able to refinance without lenders mortgage insurance

‍Access equity: Use your home's equity for renovations, investments, or debt consolidation

Switch loan types: Move from fixed to variable (or vice versa) to better suit your needs

Get in touch with us to discuss the specific benefits refinancing could offer in your situation.
How much does it cost to refinance?
While refinancing can save you money long-term, there are upfront costs to consider:

‍Discharge fees: Your current lender may charge a fee to close your existing loan (typically $150-$400)

‍Application fees: Some new lenders charge establishment or application fees

‍Valuation fees: A property valuation may be required

‍Legal costs: Conveyancing and documentation fees

‍Break costs: If you're exiting a fixed-rate loan early, significant break fees may apply

The key is ensuring your long-term savings from refinancing outweigh these upfront costs. We'll help you calculate the break-even point and determine if refinancing makes financial sense for you.
Can refinancing combine all my loans into one?
Yes, refinancing can be an effective way to consolidate multiple debts into a single loan. By rolling credit cards, personal loans, car loans, or other debts into your home loan refinance, you can simplify your finances with one monthly repayment and potentially secure a much lower interest rate than you're currently paying on those debts. This strategy, known as debt consolidation, can reduce your overall monthly commitments and help you pay off debt faster. However, it's important to consider that you'll be securing previously unsecured debts against your home, so we'll walk you through the pros and cons to ensure it's the right strategy for your situation.

Speak With Our Team

Secure a complimentary session with one of our MFAA-approved brokers today

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