Rates went up.
Let's make sure your mortgage
didn't get left behind.
I'm Jamie Hyndman, founder of Tribe Financial. After 16 years in finance and property, I've learned that most people aren't overspending — they're overpaying, quietly, on a loan that hasn't kept up with them. Let's find out if that's you.
You're not imagining it.
Interest rates have climbed further than most households budgeted for, and everything around them — groceries, insurance, energy, everyday bills — costs more too. Wages haven't kept pace. If it feels like your home loan is quietly eating more of your income than it used to, that's not a feeling. For a lot of people right now, it's simply the case.
The part most people miss: the loan that was competitive when you took it out often isn't the best one for you today — and lenders rarely call to tell you that.
What a conversation with me looks like.
Where this actually helps
Lower your repayments
I'll review your current loan against what's actually available today and tell you honestly whether you're paying too much — and what switching could save you each month.
An honest cashback check
Some lenders are still offering cashback and switching incentives. I'll tell you if one genuinely stacks up for your situation — and if it doesn't, I'll tell you that too
Free up cashflow
It's not always about the rate alone. Restructuring, consolidating, or extending your buffer can take the pressure off month to month — we'll work out what fits.
Me. And your Tribe
From the first call to settlement, your dealing with Tribe. No hand-offs, no bank call centres every few months, no chasing updates.
1
Free 20-minute call
We talk through your situation. No cost, no obligation.
HOW IT WORKS
Four Steps. No pressure.
Most people know within one call whether it’s worth going further.
2
I compare the market
Your current loan versus what's genuinely available to you today.
3
A clear recommendation
In plain English — what I'd do in your position, and why.
4
I handle the rest
Paperwork, lodgement and lender liaison, end to end.
LET’S TALK
Let’s find out where you actually stand.
Takes about 20 minutes. Could save you a lot more than that.
Shizaru Pty Ltd trading as Tribe Financial (ABN 95 757 321 891) provides credit assistance as a credit representative under YBR Aggregation Pty Ltd, Australian Credit Licence 390261. The information on this page is general in nature, does not take into account your personal financial circumstances, and should not be relied on as financial advice. Terms, conditions, fees and lending criteria apply. Consider seeking independent advice before making a decision.