60 seconds. Three questions. A real number.

Nothing. If your lending settles with one of our lenders, Nick is paid a commission by that lender. That commission doesn't change the cost of your mortgage, and Nick is upfront about what the bank pays before you commit to anything.

We multiply your loan by an indicative cash contribution rate (currently 0.8% to 0.85% depending on the lender). If you've taken a contribution from your current bank inside its clawback window, we pro-rate an estimated clawback and subtract it. Nick replaces these assumptions with the live offer once he's looked at your loan.

When a bank gives you a cash contribution, it usually attaches a clawback clause: leave within a set window (commonly 36 months, 48 with some lenders) and you repay a portion of it. The further through the window you are, the less you'd repay. Sometimes a new bank's cashback more than covers it, sometimes it's smarter to wait. That's exactly what Nick works out with you.

Ideally 60 to 90 days before your fixed term ends. That's enough time to compare lenders, negotiate cashback and restructure without being rushed into whatever rate your bank emails you. If your term has already rolled, it's still worth a call.

It's a conservative indication, not a quote. Real offers depend on the lender's current campaign, your loan-to-value ratio, the product you choose, any caps, and individual approval. Treat the number as a reason to check, then let Nick confirm it.

Nick compares more than 20 lenders, including the main banks and specialist non-bank lenders, and negotiates cashback and structure alongside the rate.