Refinance Smarter. Not Just for a Cashback.
Apply For A Free Refinance Review And Discover How A Better Rate Could Save You Thousands*
Most banks push short-term cashback deals that fade fast. At FNQ Finance & Insurance Brokers, we focus on long-term savings that truly count.
Compare rates, fees, and loan features to save more long term*
Access over 60+ trusted lenders across Australia
Lower repayments and improve your cash flow*
Explore offset and redraw options designed for you
Why Most Homeowners Miss Out On Better Deals And How You Can Avoid It
To Our Fellow Homeowners,
Banks love offering cashback because it gets attention.
Once the cashback runs out, higher repayments often remain.
The real benefit of refinancing is not about a quick bonus.
It is about securing a lower rate, improving your loan structure, and keeping more money in your pocket.
Even a small 0.25% drop in your interest rate could save you between $20,000 and $40,000 over the life of your loan.*
At FNQ Finance & Insurance Brokers, we help you uncover what your bank may not tell you.
We show you hidden fees, missed discounts, and overlooked features that could shorten your loan term and reduce your costs.
Here’s How It Works:
Complete our quick & free consultation form.
We compare your refinance options from over 60 lenders.
You see your potential savings and improved loan terms*.
You decide if you would like to move forward.
Camilo Bradford
Director / Finance and Insurance Specialist of FNQ Finance & Insurance
Partnering With Australia’s Most Trusted Lenders
See How Much You Could Save
By Switching From 6.50% To 4.98% (Comparison Rate 5.53%)*
| Loan Amount | Monthly Repayment (Old 6.50%) | Monthly Repayment (New 4.98%) |
|---|---|---|
| $400,000 | $2,528 | $2,129 |
| $600,000 | $3,792 | $3,194 |
| $750,000 | $4,740 | $3,993 |
Based on the examples above, monthly savings range from $399 to $747, which adds up to $4,788 to $8,964 per year depending on your loan size and current rate.
Calculations are based on a 30-year principal and interest home loan. The 6.50% rate reflects a common standard variable rate for borrowers who haven’t refinanced recently. Figures are for illustration purposes only and do not constitute a quote. Individual outcomes may vary based on your personal circumstances. The 6.50% rate reflects a common standard variable rate for borrowers who haven’t refinanced recently. Figures are for illustrative purposes only and do not constitute a quote. Individual outcomes may vary based on your personal circumstances.
Access Exclusive Competitive Rates From 60+ Lenders
Guiding Australians Into Home Ownership With Care
We’ve supported hundreds of Australians in achieving home ownership through tailored lending solutions. With access to more than 60 lenders, from the big banks to specialist providers, we are trusted by individuals, couples, and families to deliver clear guidance, personal care, and results that make a real difference.
Jacob Outdoors
Camilo is a fantastic advisor – knowledgeable, friendly and easy to work with. With insurance products, there’s no room for guesswork. Camilo ensured I received exactly what I needed, providing clear answers every step of the way. My highest recommendation!
Emily Krunes
Camilo has been absolutely fantastic to work with! Great communication, reliable, and incredibly knowledgeable. He has always been quick to respond to emails, and no question is ever too much trouble. I highly recommend and will definitely continue working with him in the future!
Chloe Reeve
I found Camilo on Facebook and didn’t think refinancing my home would be possible. As a single mum of six, I was preparing to sell. But Camilo worked his magic and made keeping our home a reality. His support and communication were incredible.
Integrated Media IM
Camilo went above and beyond to help me secure a home for my daughters and me. Despite a tricky situation, his patience, support, and persistence made the process smooth and successful. I highly recommend
Shireen Hyland
Camilo went above and beyond to secure our loan. The whole process was smooth, thorough, and stress-free. He kept us well-informed throughout and made everything easy to understand. Highly recommend!
Abbey Taylor
Camilo is incredibly friendly and approachable. His clear communication and guidance made the entire process smooth and stress-free. He truly goes above and beyond to help – thank you for the excellent service!
Partnering With Australia’s Most Trusted Lenders
Why Homeowners Choose FNQ Finance & Insurance Brokers
Focused on real long-term savings, not just flashy cashback deals*
Access to 60+ lenders nationwide
Compare rates, offsets, and redraws to find genuine value*
Lower repayments and better loan terms*
Transparent, easy-to-understand advice
End-to-end support from local brokers you can trust
100% free service. The lender pays us.
Proven results and five-star client feedback
Partnering With Australia’s Most Trusted Lenders
Your Trusted Partner in Finance and Home Ownership.
Camilo Bradford
Director / Finance and Insurance Specialist of FNQ Finance & Insurance
After more than 15 years as an experienced Mortgage and Insurance Specialist, Camilo Bradford founded FNQ Finance and Insurance Brokers in 2020 to deliver a more personalised and client-focused approach to lending.
Camilo’s goal has always been simple — to help everyday Australians navigate finance and insurance with confidence and ease. His extensive industry background allows him to understand each client’s unique goals and match them with the right solution across a wide range of trusted providers.
At FNQ Finance and Insurance, Camilo and his team take the time to understand your needs before comparing options from reputable lenders and insurers to find the best fit.
You can expect a no-nonsense, hassle-free experience backed by genuine care, professionalism, and long-term guidance for your financial journey.
Here’s How We Make the Process Simple
STEP 1
Fill out our consultation form
This form captures just the contact info, goals and your situation. No paperwork, no documents needed upfront.
STEP 2
Jump on a quick call with our team
We’ll explain your refinance options, answer your questions, and help you choose what suits you.
STEP 3
We review your refinance options across 60+ lenders.
Our experts search lenders options to match you with the best rates and deals.
STEP 4
Choose your deal, and we do the rest
We’ll take care of the paperwork, liaise with the lender, and keep you updated at every step until your loan approved.
Partnering With Australia’s Most Trusted Lenders
Why Aussie Homeowners Achieve More with Us
With FNQ Finance & Insurance Brokers help
Focus on lower rates and real savings*
Access to over 60 lenders with real choice
Long-term savings of $20,000–$40,000*
Offsets, redraws, and flexible options
Expert guidance at every step
Typical Bank Experience
Chasing cashback only
Limited lender choice
Higher repayments for years
No feature comparison
Slower approvals and more paperwork
| Feature | Traditional Bank | Alberto Curiel - The Finance Man |
|---|---|---|
| Contract/Shift Income | Often declined | Fully supported |
| Number of Lenders | 1–2 options | 60+ lenders |
| Personal Broker Support | Not guaranteed | Always included |
| Cost To Use | May vary | Free |
| Process Speed | Often delayed | Efficient & clear |
| Bilingual Help (Spanish) | Rare | Sí, disponible |
Disclaimer: Your actual home loan rate may vary based on your individual circumstances. Speak to one of our expert brokers for a personalised quote.
Partnering With Australia’s Most Trusted Lenders
Answers To The Most Common First Home Buyer Questions
Is cashback always a bad idea?
Not always. Sometimes it can help, but often it comes with higher rates that cancel out the benefit.
Do I have to change banks to refinance?
Not necessarily. Your current bank may offer a better deal once compared.
How fast can I refinance?
Most applications are completed within two to four weeks, depending on your lender.
Is there any cost for your service?
No. Our service is completely free. We are paid by the lender, not you.
How do I apply?
Simply book a consultation and we will take care of the eligibility checks and application process.
Partnering With Australia’s Most Trusted Lenders
Ready To Stop Renting And Start Owning? Your New Home Awaits
Refinancing is not about chasing quick cashback.
It is about taking control of your home loan and your financial future.
This is not a sales pitch or a rushed process.
As a homeowner, you may qualify for refinance options that are not always available through your bank.
Our team will guide you through the entire process so you can reduce repayments, review your rate, and take control of your home loan.
Even if you have been declined or overlooked by your current lender, we may still be able to help through our panel of 60+ lenders.
Consultation spots are limited.
If you are ready to explore your options, now is the ideal time to begin.
Partnering With Australia’s Most Trusted Lenders
Copyright 2025 - FNQ Finance & Insurance Brokers
FNQ Finance & Insurance Brokers ABN 98 574 705 261 is an authorised representative of Unique Group Broker Services (UGBS). Australian Financial Services Licence No. 509434.
*All information on this page is general in nature and does not take into account your objectives, financial situation, or needs. You should consider whether it is appropriate for your circumstances before making any financial decisions. Savings examples are for illustration only and based on assumptions such as a 30-year principal and interest loan with a lower interest rate. Actual savings will vary depending on loan size, term, current rate, fees, and your individual circumstances. Testimonials reflect individual client experiences and are not a guarantee of future outcomes. Lender panel — we compare loans from a panel of over 60 lenders; we do not compare all lenders in the market.