Can Bheja help me refinance my loan?

Yes. Bheja runs your numbers, compares your current rate to live market data, and estimates potential savings after fees, so you can see if switching makes sense.

Is Ask Bheja free to use?

Yes, chatting is completely free, private, and transparent. You’ll just need a quick and easy login to start the conversation.

I refinanced too late and lost thousands

Ask Bheja: "When's the right time to refinance?". We'll calculate if the savings outweigh the costs right now.

I only looked at the interest rate, not the fees

Ask Bheja: "What's the comparison rate vs. advertised rate?". We'll show you the real cost, not just the headline number.

I reset my loan term and I'll be paying forever

Ask Bheja: "Should I keep my current loan term or extend it?". We'll explain the long-term cost difference.

Break fees ate all my savings

Ask Bheja: "What will it actually cost me to refinance right now?". We calculate break fees, application fees, and if it's worth it.

I didn't negotiate with my current lender first

Ask Bheja: "Should I try to negotiate with my current bank?". Sometimes they'll match better rates to keep you.

I refinanced without checking my credit score

Ask Bheja: "Will my credit score affect my refinance?". We'll tell you what lenders are looking for.

I bought without a clear investment strategy

Ask Bheja: "Should I focus on rental yield or capital growth?". We'll help you match the property to your actual goals.

I assumed tenants would cover everything

Ask Bheja: "How much should I budget for vacancy and maintenance?". Real numbers so you're not caught short.

I used a home loan instead of an investment loan

Ask Bheja: "What's the difference between home and investment loans?". Tax benefits and features you might be missing.

I didn't factor in ALL the costs

Ask Bheja: "What costs beyond the deposit do I need?". Stamp duty, strata, insurance we'll list them all.

I bought emotionally, not analytically

Ask Bheja: "Is this property a good investment or do I just like it?". We'll look at the numbers, not the feelings.

My portfolio lost money for 10 years

Ask Bheja: "Which areas have actual growth potential?". Location matters more than you think we check the data.

Most people regret something about their home loan.

What if you could avoid those mistakes before making them?

Talk to Bheja

💬 Like chatting with a mortgage expert friend

Don't become a statistic

Nearly half of Australians have regrets about their property decisions. Here's what they wish they'd known and how to avoid making the same mistakes.

I didn't prepare for rate rises

Ask Bheja: "What would my repayments be if rates went up by 1%?" Get the real numbers before you're stuck with them.

I went over budget and now life's a struggle

Ask Bheja: "How much breathing room should I leave?" We'll help you buy a home without sacrificing your life.

I paid way too much in fees

Ask Bheja: "What fees am I actually paying?" 22% of first home buyers regret overspending on ongoing fees.

I had no idea what my interest rate even was

Ask Bheja: "What rate am I actually paying?". Then, we'll tell you if you're overpaying and what to do about it.

I didn't get an offset account

Ask Bheja: "What's an offset account and would it actually save me money?". We explain features that matter.

I rushed and didn't understand my loan

Ask Bheja: "Can you explain my loan in plain English?". 15% of buyers regret not understanding what they signed up for.

So we built something to help

You know that sinking feeling when you realise you could've gotten a better deal? When you discover you've been overpaying for months? When you find out too late that there were options you didn't even know existed?

That's the feeling we're trying to help you avoid.

Bheja is like texting that friend who actually knows mortgages inside out. Someone who's helped dozens of people through this, speaks plain English, and genuinely wants you to make the right call for your situation.

No sales pitch. No confusing jargon. Just real conversation with someone who's got your back.

Here's how it works

Just start chatting. Ask what's on your mind. Here's what a real conversation looks like:

I'm thinking about refinancing but don't know if it's worth it

Let's figure this out together. First, do you know your current interest rate and how much you still owe?

I'm on about 6.5% with $450k left on the loan

Okay, so at 6.5% you're paying more than the current average. I'm seeing rates as low as 5.75% right now. That could save you about $250 a month, nearly $3,000 a year.

Want me to check if refinancing would actually be worth it after fees?

Yes! But won't there be a bunch of costs?

Good question. Typical refinancing costs are around $1,000-$2,000. Even with that, you'd break even in about 4-7 months, then it's pure savings after that. I can show you the exact numbers for your situation if you want?

The stuff people actually ask

These are real questions. Nothing's off limits. Ask whatever's on your mind.

😰

“Am I overpaying on my current loan?”

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“Should I buy an investment property or my own home first?”

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“Is refinancing worth the hassle and fees?”

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“My credit score isn't great, what are my options?”

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“When's the right time to refinance?”

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“How do I know if this investment property will make money?”

Have a question of your own?

Ask Bheja

Why Ask Bheja beats comparison sites, AI tools, and Google

🏦 Direct access to lender data

Comparison sites show what lenders pay them to show. ChatGPT has outdated info. Bheja pulls live data directly from 100+ lenders via Consumer Data Right.

🧮 Actually runs your numbers

Rate tables don't calculate your repayments. Generic AI can't tell you if refinancing is worth it FOR YOU. Bheja does the maths with your actual situation income, deposit, loan amount, goals.

🔄 Remembers your journey

Every Google search starts from scratch. Bheja remembers your previous questions, your situation, your concerns. Come back days later and pick up exactly where you left off.

🎯 Built specifically for Australian home loans

ChatGPT knows a bit about everything. Bheja knows everything about Australian mortgages like LMI, stamp duty, FHLDS, negative gearing, and CGT. It's trained on this stuff, not generic finance info.

📊 Compares like a broker would

Comparison sites just list rates. Bheja explains what comparison rates actually mean, which features you need vs. marketing hype, and what fees will cost you over time.

💬 Conversational, not transactional

Rate tables are static. AI chat is generic. Bheja asks follow-up questions, clarifies what you mean, explains concepts in your context, and actually helps you think through decisions.

Real-time data from 100+ lenders

Bheja taps into Australia's Consumer Data Right (Open Banking) to give you accurate, up-to-date information on thousands of home loan products.

100+

Lenders tracked

7,000+

Live loan products

Daily

Rate updates

Compare actual rates Compare actual rates from major banks and smaller lenders you've never heard of

Compare actual rates See real fees including application fees, ongoing fees, and the hidden costs

Compare actual rates Understand features like offset accounts, redraw facilities, and what they mean for you

Compare actual rates Get comparison rates that show the true cost, not just the advertised headline

When you chat with Bheja, you're not getting opinions or outdated rate sheets. You're getting official product data, refreshed daily, from the source lenders themselves report to.

Frequently asked questions

Ask Bheja is an Australian mortgage chatbot that compares home loans using real-time data from 100+ lenders via Open Banking. It helps you understand rates, fees, and features through natural conversation.

Don't regret what you didn't ask

Half of Australians have mortgage regrets. You don't have to be one of them.

Start chatting with Bheja