Australian homeowners who signed their mortgage more than 18 months ago are almost certainly overpaying. Your bank prices loyalty worst. Unlock your free Rate Review Kit and see exactly where you stand against the wider market today.
One quick questionnaire unlocks everything below, instantly. Scroll through, then hit any Unlock button.
Kunga is a licensed Australian mortgage specialist who built KTD Home Loans to give everyday Australian families the same lender access, intelligence and strategy that high-net-worth clients have always taken for granted.
From offices in Perth and Canberra, Kunga and the KTD team have helped families across Australia restructure, refinance, and free themselves from the rate loyalty tax their bank charges them every month. Your review is about clarity and a plan, never a hard sell.
KTD does not get paid until your loan settles, and then by the lender, not you.
Real comments from KTD clients across the Bhutanese Australian community and beyond.
If your free review does not surface at least one credible path to better terms, we will send you our Repayment Strategy Blueprint ($245 value) on the spot, no questions asked, no obligation. The only thing you risk is staying on the rate you have right now.
Yes. KTD Home Loans operates under APC Home Loans (ACL 389328). We are paid by the lender once your loan settles, never by you. The kit, the call with Kunga, and the review are free.
The questionnaire is about 90 seconds. Your kit is delivered instantly. Kunga or the KTD team will reach out within minutes if you want a same-day call, or you can book a time that suits you on the next screen.
No. The kit and the initial review are based on the questionnaire only. If you choose to move forward to a full refinance later, we will guide you through the document collection step by step.
You will get a second opinion in writing, plus the Repayment Strategy Blueprint so you can still get years ahead on the loan without changing lenders. Either way you leave better informed.
You still get the full kit. Many of our clients use the intelligence to negotiate with their existing bank. We are fine with that. The goal is that you stop overpaying, by whichever route makes sense.
KTD Home Loans operates as Credit Representative 550068 under Australian Credit Licence 389328 (APC Home Loans), in compliance with ASIC Regulatory Guide 234. All figures shown are illustrative only and do not constitute personal credit or financial advice. We respect Australian Privacy Principles and never share your details with third parties without your consent.
Unlock your free Mortgage Rate Review Kit and see what the wider market is actually willing to offer you in 2026.