Already have a mortgage? If you took it out a few years ago, it may pay off to compare. We check whether switching banks pays off and handle the move for you.
We look at the outstanding capital, the remaining term and the current terms.
We compare with the partner banks' offers, with the switching costs already included.
If the savings beat the costs, we show you the numbers. If not, we tell you that too.
If you go ahead, we take care of the whole transfer process.
If the market has improved since you signed, you may be able to cut your instalment.
Switching has costs. We only tell you it pays off if the numbers add up.
If it doesn't pay off, we tell you. We gain nothing by pushing you into a bad decision.
The calculations cost you nothing. Switching banks can have costs, and we show them to you before you decide.
There may be costs such as: an early repayment fee (up to 0.5% of the capital repaid on a variable rate, up to 2% on a fixed rate), a new valuation, registrations and stamp duty. We include all of this in the sums.
Not always. It depends on the difference in terms and on the outstanding capital. We do the maths and tell you the truth.
Usually a few weeks. We handle the process and keep you posted at every step.
Tell us what you need. The Guru studies your situation, compares the partner banks and tells you, with numbers, what makes sense for you. It's free.