Manly Beach, with the Norfolk pines along the promenade
Manly · Northern Beaches

Stopoverpaying onyour mortgage.

Refinance the SMART way. Most Aussies chase the cheapest rate and leave the rest to their new bank. John looks at the whole loan, so the saving ends up with you, not the bank.

Find out what you could save

A 15-minute call with John. No obligation, and no credit check to get started.

The SMART way

Your bank wants you looking at one number.

A bank's number one goal is to make as much money from your loan as possible, and refinancing is no different. It's a chance to keep you focused on the rate, the one thing they control, and leave the rest up to them. That's how you end up paying the most interest over the longest time.

Tide flips that on its head and looks at the whole loan.

How a SMART refinance works
The bank's viewThe rateWhat the bank wants you looking at
02Loan structureOffset, split, repayment timing
03FeesUpfront and ongoing, explained before you decide
04TermHow long you'll actually be paying
05Your plansWhat the loan needs to do next
What Tide helps with

One broker for the loan you have and the one you need next.

01

Refinancing

Stop overpaying. Rate, structure, fees and term reviewed together.

→Explore02

Buying a home

First home, next home or a bigger one for the family, from pre-approval to settlement.

→Explore03

Investment property

Investment loans set up around your plans, and the equity in your home put to work.

→Explore04

Business & equipment

Commercial and equipment finance for the business you run.

→Explore
How it works

How refinancing works.

Step 1 of 4

Talk it through

A 15-minute call about your current loan, your rate and what you want the loan to do next. No credit check to get started.

15-minute callNo credit check
Step 2 of 4

Compare your options

John compares lenders on the Astute panel and lays out the rate, fees and features side by side, so you see the whole cost, not just the rate.

Lenders comparedCosts upfront
Step 3 of 4

Apply

Once you've chosen, John prepares and lodges the application and keeps you posted while the lender assesses it.

Paperwork handledKept in the loop
Step 4 of 4

Switch and settle

John works with your new and old lenders through to settlement, so the switch happens without you chasing anyone.

Both lenders coordinatedThrough to settlement
Manly Cove from above, boats moored in the harbour
Local

Right here in Manly.

On East Esplanade, a short walk from the wharf. Drop in, or John can call you wherever suits.

OfficeSuite 12, 37–38 East Esplanade
Manly NSW 20950418 228 817
John Kennedy, Director of Tide Financial
Your broker

Years inside the banks. Now on your side of the table.

John Kennedy has worked in finance since 2003: asset finance, then business and commercial banking with Westpac and NAB, and private banking with ANZ. Inside the banks he saw how often customers stay on the default setup and never review their loan. In 2017 he started Tide Financial, his own business, so you deal with John from the first call to settlement.

20+years in finance
and banking
MBACurtin Graduate
School of Business
More about John
Talk it through

Find out what you should be saving.

Tell John where your loan is today and what you want it to do. You'll leave the call knowing your options, whether or not you go ahead.

Request a time

A 15-minute call with John. No obligation, and no credit check to get started.

Call0418 228 817 Emailjohn@tidefinancial.com.au OfficeSuite 12, 37–38 East Esplanade, Manly NSW 2095

Mon–Fri 9am–5pm