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Banh & Co. Capital

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Australia
Melbourne, VIC
Banh & Co. Capital

Mortgage Broker for First Home Buyers, Young Professionals & Property Investors

28/08/2026

One lender on our panel is offering as low as 5.99% p.a. for eligible refinances, plus up to $650 of upfront fees waived, on applications submitted before 19 December. Swipe for the detail.

Owner occupied, principal and interest: 5.99% p.a. up to 70% LVR (6.04% comparison rate), 6.14% p.a. between 70 and 80% (6.19% comparison rate).

Investment, principal and interest: 6.14% p.a. up to 70% LVR (6.19% comparison rate), 6.19% p.a. between 70 and 80% (6.24% comparison rate).

Thinking about refinancing before December? Send me a message and I will compare it against your current loan.

Rates as at 27 August 2026, indicative only and subject to change. Comparison rates are based on a $150,000 loan over 25 years. Warning: this comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Lending criteria, fees and charges apply. MyState Bank Limited ABN 89 067 729 195, Australian Credit Licence 240896.

General advice only. Doesn’t take into account your objectives, situation or needs. Banh & Co. Capital Pty Ltd is a Credit Representative (572405) of Connective Credit Services - ACL 389328.

18/08/2026

HI!!! (or bye) 👋🫡

If you like what I stand for, follow along to see the journey as we grow together ☺️

14/08/2026

Most people set up a mortgage once and never look at it again. Which is fair enough, it is not exactly gripping reading. But the loan that was right for you in 2023 might not be the one you want to be sitting on in 2026.

Refinancing sounds complicated and it really is not. You are replacing your existing home loan with a new one. The new bank pays out the old one and takes its place. That is the whole mechanic.

It is also not always about chasing a lower rate. It might be about paying the loan off sooner, accessing equity for a renovation, getting an offset account, or consolidating other debts into something you can actually manage.

Here is the part a lot of people miss. You do not have to leave your bank to get a better deal. You can ask your current bank to lower your rate, which is called a reprice. Banks work hard to win new customers, so the rate they are advertising this week might be lower than the one you have been paying for years. It costs nothing to ring up and ask them to match it.

One cost to watch. If the new loan is more than 80% of what your property is worth today, lenders mortgage insurance can apply, even though you already own the place. And be careful with cashback offers, because a payment today can sit on top of a loan that costs you more over the years that follow.

Your income changes, your property value changes, your goals change. Your loan should keep up.

Save this for your next rate review, and send it to someone who has been on the same mortgage since 2023.

General advice only. Doesn’t take into account your objectives, situation or needs. Figures indicative only and subject to lender criteria; the cashback amount is an illustrative example. Banh & Co. Capital Pty Ltd is a Credit Representative (572405) of Connective Credit Services - ACL 389328.

13/08/2026

FML I knew this would happen one day…
I feel like I owe everyone an explanation
Regardless, thank you for your honest feedback and review

Address

Melbourne, VIC
3000

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

https://www.bccapital.com.au/

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