Why Your Finance Broker Keeps in Touch After Settlement
Your loan has settled and the work is done, so why is your broker still calling? Because a good broker isn’t just there for one transaction. Your loan, your business and the market all change over time, and a quick review can save you money or open up your next opportunity.
What we check when we get in touch
- Your rate: is it still competitive, or could your current lender sharpen it?
- Fixed rate expiry: what will your repayments become, and what are the alternatives?
- Loan structure: do you still need interest-only, offset accounts or the same term?
- Your equity: has your property increased in value enough to lower your LVR or fund the next purchase?
- Your business: are you expanding, buying equipment, or facing a cash flow squeeze?
Why loyalty doesn’t always pay
Lenders often offer their sharpest deals to new customers. Existing borrowers can end up on higher rates simply because they haven’t asked. A regular review means you either get a better deal from your current lender or move to one that values your business.
Planning the next step
Most of our clients come back for their next deal: another property, a business acquisition, a fleet upgrade or a construction project. Staying in touch means we already understand your situation and can move quickly when an opportunity comes up.
How we help
We work with banks, non-banks and private lenders across our panel of 100+, so we can tell you quickly whether your current loan still stacks up. Read more about our business loans, commercial property finance and debt advisory.
Frequently asked questions
How often should I review my loan?
At least once a year, and whenever your circumstances change, such as a fixed rate ending, a change in income, or a new business opportunity.
Does it cost anything to have my loan reviewed?
A review conversation with Peak Capital is free. If refinancing makes sense, we’ll explain any fees and costs upfront before you decide.
Can my broker negotiate a lower rate with my current lender?
Often, yes. Lenders will sometimes reduce rates for existing customers rather than lose them, and a broker knows what other lenders are offering.
Talk to Peak Capital
Book a free 15-minute call with a Sydney commercial finance broker. We’ll tell you what you can borrow and which lenders fit your situation.
This article is general information only and doesn’t take into account your objectives, financial situation or needs. Speak to us or your accountant before making a decision.
