Same house,
better loan.
A sharper rate, consolidated debt, or equity released for what's next — Sequel reviews your loan properly instead of just matching a number.
Whether you're chasing a better rate, rolling in other debts, or accessing equity, we compare your options across 40+ lenders before you commit to anything.
Your bank is counting on you
not checking.
Most people refinance years later than they should, because reviewing a home loan feels like a hassle. It usually isn't — and it's often worth more than you'd think.
The loyalty tax
New customers get the sharp rates. Existing ones quietly get left on the old ones. We check where you actually sit.
Debt consolidation
Credit cards, car loans and personal loans rolled into your mortgage can free up real monthly cash flow — done properly, not just bundled.
Accessing equity
Renovation, investment, or life admin — we structure the release properly so it doesn't work against you later.
Break costs & exit fees
We check the real cost of switching before you commit to anything, so there's no surprise at settlement.
"You didn't do anything wrong. Your file is just more complicated than a form can explain — and complicated files need someone who reads past the first page."
We take the files other brokers pass on — and everything in between.
Complex file or straightforward one — refinance, investment, first home or the harder cases — every application gets the same rigour, which means we know exactly which of our 40+ lenders will actually say yes.
Specialist, not generalist
Self‑employed, defaults, ATO debt and career breaks are every day for us — right alongside refinances, investment loans and first home buyers.
Strategy before paperwork
We map your full picture and tell you what's realistic before a single form goes near a lender.
40+ lender panel
Including specialist and non‑bank lenders who price your file properly instead of by a checkbox.
A straight answer, fast
You'll know what's actually possible before you hand over a single document — no runaround.
Meet Adam,
Lending Director.
Adam started Sequel after a career as a professional athlete, where income never looked like a regular payslip and contracts changed year to year. Being taken seriously by a bank meant something different when your file didn't look like everyone else's.
He's been self-employed since 2017 and knows firsthand what it's like to run a business, carry a mortgage, and still not fit neatly into a lender's checklist. These days he's a husband and dad to two boys — and he built Sequel to be the broker he wishes he'd had: someone who reads the whole picture before deciding what's possible.
"I've sat on the other side of the desk, explaining my own file to a lender. I built Sequel so no one has to explain themselves twice."
Four steps to a straight answer.
No paperwork to start, no credit check, no judgement about how you got here.
Tell us your situation
A two-minute form about your income and your goal. Completely private, no credit check.
Get a straight answer
A specialist calls you back and walks through what's realistically possible for your file.
We build the case
The right lender, the right documents, presented properly the first time — not the tenth.
Approved, not just applied
One plan, one lender who fits your file, and someone who stays on it until it settles.
See your numbers before you talk to anyone.
The Sequel Check is a free 60-second pre-check — built for exactly these scenarios. Answer a few questions and get an instant read on your borrowing power.
What the check gives you
An instant, honest read — not a generic checklist.
- An estimated borrowing power, calculated on the spot
- A straight fit rating — strong, workable, or needs a closer look
- Built for self-employed, defaults, ATO debt and career-break files
- No credit check, zero cost, zero obligation
Illustrative example — your result will be based on what you tell us.
Takes about 60 seconds. Indicative estimate only — not a credit approval.
You're probably wondering.
It depends on your current rate, loan size and lender — sometimes it's a few hundred dollars a month, sometimes more once debts are consolidated in. We'll give you a straight comparison, not a guess.
Discharge fees, potential break costs on a fixed rate, and new lender setup costs all factor in. We check these upfront so you know the real net benefit before deciding.
Often yes — credit cards, car loans and personal loans can sometimes be consolidated into your home loan at a much lower rate. We'll show you what that actually does to your repayments.
A single refinance application has a minor, temporary impact — nothing like the damage of multiple applications with different lenders. We help you apply once, to the right lender.
Sometimes yes, sometimes it's better to wait out the fixed term. We factor in any break costs before recommending anything, so you get a genuine comparison either way.
No. The form above is just information you share with us — nothing is pulled from a credit bureau. A formal credit check only happens later, once you've decided to move forward with a specific lender. Talking to us costs nothing and touches nothing on your file.
We call within 24 hours of receiving your details, or the next business day if you get in touch over the weekend. Prefer a set time? Let us know on the call and we'll lock one in.
Let's find out what's
actually possible.
Two minutes. No credit check. No judgement about how you got here — just a straight answer.
