You paid $2,400 too much because you didn't switch.*
The bank counts on you never checking.
*ACCC Home Loan Price Inquiry findings: borrowers with loans over five years old pay on average 0.4% more than new customers. Figure shown is indicative on a $600,000 loan. Your actual amount depends on your loan size, rate and lender. HoLo does not provide financial advice.
Refinance To Save
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Refinance To Renovate
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Refinance To Upgrade
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Refinance Today
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Refinance To Save ✳︎ Refinance To Renovate ✳︎ Refinance To Upgrade ✳︎ Refinance Today ✳︎
Three reasons people
refinance with us.
Monet Goode
FounderWith a vision for building something meaningful, our founder brings a blend of big-picture thinking and hands-on experience. They set the tone for everything we do.
Emmett Marsh
Focused, approachable, and driven by results, our sales manager is all about building strong relationships. They help connect people to the right solutions—with clarity and care.
Sales Manager
Marketing DirectorEleanor Parks
Creative and strategic in equal measure, our marketing director brings fresh ideas to every campaign. They turn insights into action and help our message resonate with the right audience.
This is the worst possible time to be paying your bank more than you have to.
❌You can't control the rates rising, You can't control the price of groceries.
❌ Loans over ten years old pay more than 1% above new customers * ( ACCC stats)
❌ On a $600k loan, even a 0.4% gap is around $200 a month. That's a car payment, leaving your account for nothing.
❌ Most people never check, because life is busy and switching sounds like a hassle.
👍🏻 But you can control whether you're on a competitive rate or a lazy one.
Maybe you want to do the kitchen.
Maybe you're quietly overpaying the bank.
Maybe you've outgrown the place and need more room.
Good news: they all sort out the same way.
One simple refinance, not a second loan, not a headache… and we've got you done in about a week or two.
So… which corner's yours?
We're small enough to treat you like family and sharp enough to actually save you money.
HoLo exists for 5 simple reasons:
👉 We're a broking team who got tired of watching good people overpay the big banks out of sheer loyalty and admin-dread.
👉 So we built something better — a smarter, simpler way to bring your home and your loan together (that's the "HoLo," in case you were wondering).
👉 Whether you're buying, building, investing, renovating, or just sick of paying more than the new customer down the road, our job is to find you the right loan at a great rate — and make the whole thing feel easy.
👉 We do the haggling, the paperwork, and the bank-wrangling. You get the better deal.
👉 No jargon, no pressure, no kissing the banks' behinds. Just the right loan, sorted.