REFINANCE SPECIALISTS
CAPPED COMMISSION
YOU KEEP THE REST
REFINANCING?
Take 5 minutes to understand our offer. You will not be disappointed.
ONLY REFINANCES.
ONLY >700k LOANS.
| NO CONFLICT OF INTEREST | WE CAP OUR COMMISSION | YOU GET THE REST
WHAT
ROIfinance is a REFINANCE ONLY Mortgage Broker. We suit borrowers looking to refinance for a better rate. Did you know that a mortgage broker is paid upfront commission when you take out a loan with a bank? At ROIfinance, we don't keep all the upfront commission, we give some to you 🧐 We cap our upfront commission at $3,500 + GST. We give any excess to you. What does that even mean? Some typical examples... $6,500 +GST is paid to the broker in upfront commission for a $1m loan. We keep $3,500 and give the rest to you. $9,750 +GST is paid to the broker in upfront commission for a $1.5m loan. We keep $3,500 and give the rest to you. At ROIfinance, as long as the loan is greater than 700K, no matter how large the commission - we take $3,500 from this, the rest is yours!
ROIfinance is a REFINANCE ONLY Mortgage Broker. We suit borrowers looking to refinance for a better rate. Did you know that a mortgage broker is paid upfront commission when you take out a loan with a bank? At ROIfinance, we don't keep all the upfront commission, we give some to you 🧐 We cap our upfront commission at $3,500 + GST. We give any excess to you. What does that even mean? Some typical examples... $6,500 +GST is paid to the broker in upfront commission for a $1m loan. We keep $3,500 and give the rest to you. $9,750 +GST is paid to the broker in upfront commission for a $1.5m loan. We keep $3,500 and give the rest to you. At ROIfinance, as long as the loan is greater than 700K, no matter how large the commission - we take $3,500 from this, the rest is yours!
HOW
Generally Mortgage Brokers rely on larger loans, to balance out smaller, time consuming loans. At ROI, we don't do the small & time consuming loans 😎 The commission brokers are paid is not reflective of the complexity and time it takes to get a loan settled. 😩 For example, a first home buyer (FHB) loan can take 6-12 months to settle, often involves a lot of education and hand holding of the client. Conversely a refinance is often quick and easy. Interestingly, the commission on a 480k FHB loan might be around $3,120+GST (based on 0.65% x 480k). Whereas the commission on a 1.5m refinance might be $9,750+GST (based on 0.65% x 1.5m). Our model works because it's only available for refinances larger than $700K
Generally Mortgage Brokers rely on larger loans, to balance out smaller, difficult & time consuming loans. We don't do the small & time consuming loans 😎 The commission brokers are paid is not reflective of the complexity and time it takes to get a loan settled. It’s actually the opposite a lot of the time 😩 A first home buyer (FHB) loan can take 6-12 months to settle, often involves a lot of education and hand holding of the client. Conversely a refinance is often quick and easy. Absurdly, the commission on a 480k FHB loan might be around $3,120+GST (based on 0.65% x 480k). Whereas the commission on a 1.5m refinance might be $9,750+GST (based on 0.65% x 1.5m). Crazy!! Can anyone do this deal? This offer is only available for refinances >$600K
WHY
No other brokers have specialised into this niche offering 😃 It works for us because refinancing is easy, efficient & scalable. And it works for you, because you'll get some upfront commission. Normally, you don’t. There’s no reason you wouldn't use us to refinance!
No other brokers have specialised into this niche offering 😃 It works for us because refinancing is easy, efficient & scalable. And it works for you, because you'll get some upfront commission. Normally, you don’t. There’s no reason you wouldn't use us to refinance!
WHO
ROI Finance is based in Melbourne. We have an office with real people, no offshore call centre & no AI chatbots 😃 With over a decade of experience, ROI Finance is a fully accredited Mortgage Broker with the MFAA (Mortgage Finance Association of Australia). Our licencing is through one of Australia’s largest Mortgage Aggregators, Connective.
ROI Finance is based in Melbourne. We have an office with real people, no offshore call centre & no AI chatbots 😃 With over a decade of experience, ROI Finance is a fully accredited Mortgage Broker with the MFAA (Mortgage Finance Association of Australia). Our licencing is through one of Australia’s largest Mortgage Aggregators, Connective.
ROI Finance is based in Melbourne. We have an office with real people, no offshore call centre & no AI chatbots 😃 With over a decade of experience, ROI Finance is a fully accredited Mortgage Broker with the MFAA (Mortgage Finance Association of Australia). Our licencing is through one of Australia’s largest Mortgage Aggregators, Connective.
WHAT'S THE CATCH?
No catch. All the normal banks. All the normal features, offset, redraw, variable, fixed, etc. No compromise when it comes to banks or products & options. And if the bank is offering a refinance cash back, you get that too. Interest Rate reviews are still available. You are not locked into the bank for any time period. You can refinance at any time.
CAN I SHARE THIS?
Yes, please do. ROI Finance is word-of-mouth only. We don’t advertise. Any referrals that result in a settlement, you will get $500. Just make sure they mention you when they get in touch.