Hills District mortgage broker

Looking for a mortgage broker in the Hills District? Buyvest has 10+ years of experience and access to 35+ lenders. We help residents across every Hills District suburb refinance home loans, buy their first property, invest into property, or release equity - whether your next property is in the Hills District or anywhere across Australia. Fast, and at $0 cost to you.

The Hills District stretches from the established suburbs of Baulkham Hills and Winston Hills through to the Metro-connected hubs of Castle Hill, Bella Vista, and Kellyville, from the premium acreage addresses of Kenthurst, Glenhaven, and Dural to the emerging growth suburbs of Box Hill and North Kellyville, and north to the riverside retreats of Cattai, Sackville North, and Wisemans Ferry. Spanning 28 suburbs, each presents unique lending requirements that a single bank cannot navigate. Our mortgage brokers understand how every lender on our 35+ panel assesses every property type across every postcode in the region.

Property prices across the Hills District range from approximately $650K for entry-level units in Wisemans Ferry and Rouse Hill through to $3.26 million and above for premium acreage estates in Middle Dural and Kenthurst. The Hills District's Metro Northwest access, quality school catchments, and family-friendly character drive consistent demand across all suburbs. Whether you are purchasing your first home, buying your next home, refinancing your home loan to a lower rate, buying an investment property, or using equity to buy an investment property - we compare over 35 mortgage loan lenders to find the right home loan for your situation, property type, and budget. Our service costs $0. The lender pays us directly.

10+ Years lending experience

Access to 35+ lenders

100% Transparent process

100% Unbiased advice

$0 Fee to you

Find your best Hills District home loan. Free, fast, and on your terms.

You deserve more than whatever your bank puts in front of you. Our Buyvest mortgage brokers compare 35+ lenders on your behalf, tell you exactly how much you can borrow, and secure a home loan that genuinely suits your situation at zero cost to you. Whether you are a first home buyer in Rouse Hill, refinancing in Castle Hill, or buying an investment property in Kellyville - we handle it all. Expert guidance, clear answers, and a better deal. Fast.

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Your Hills District mortgage broker - here is why clients choose Buyvest

Whether you want to buy your first home, refinance your home loan, buy an investment property, or use equity to invest - here is what you get when you work with us:

Most people go to their bank and accept whatever rate they are offered. We compare over 35 mortgage loan lenders to find you the lowest home loan refinance rate for your situation. Whether you are buying your first house in Baulkham Hills, looking to refinance your home loan in Castle Hill, or buying an investment property in Kellyville - we do the shopping so you do not have to.

Our service is completely free. The lender pays our commission directly when your loan settles. No hidden fees. No surprises. You get expert guidance from the best mortgage lenders on our panel and better rates without paying a cent. This applies across every Hills District suburb.

First home buyers purchasing their first home in Rouse Hill, families upgrading in Baulkham Hills, downsizers in Pennant Hills, investors looking to buy an investment property in Kellyville, homeowners wanting to refinance their mortgage in Castle Hill, and anyone looking to consolidate debt. Whatever your goal, we have helped people in your exact situation across every Hills District suburb. We help residents buying property anywhere across Australia.

We do not just find you a loan. We find the one that saves you the most money based on your income, goals, and timeline. That might mean a lower home refinance rate, a better offset account, avoiding LMI, using equity to buy an investment property, or structuring your loans to build wealth faster. Every Hills District suburb has different lending dynamics and we know them all.

We prepare your full application, verify everything upfront, and submit to the right lender first time. Some clients are pre-approved within hours. Every situation is different, but we move as fast as the lenders allow - so you are ready when the right property appears in any Hills District suburb.

We handle the paperwork, chase the lender, coordinate with your solicitor, and keep you updated at every step. After settlement, we check in regularly to make sure your rate stays competitive. You are never just a file number.

The Buyvest team has 10+ years of experience helping over 1,000 clients across Sydney - including first home buyers, families upgrading, investors, and refinancers across every Hills District suburb from Castle Hill to Wisemans Ferry.

Your interests first: We are legally bound by the Best Interests Duty to find you the best home loan, not earn the largest commission.
35+ lenders: Most brokers work with 5-10. We compare over 35 including all major banks and specialist lenders - so you get more options and better rates across every Hills District property type.
Buy anywhere: Based in Ryde, we help Hills District residents with home loans anywhere in Australia. Buying locally in Castle Hill, investing in Kellyville, refinancing in Baulkham Hills, or purchasing interstate - we handle it all.
Every property type: Acreage estates in Kenthurst, modern apartments in Castle Hill, executive homes in Bella Vista, family homes in Baulkham Hills, heritage cottages in Pennant Hills - we know which lenders work best for every Hills District property type.
Complex income welcome: Self-employed, trusts, multiple income streams, PAYG with overtime or bonuses - we know how to present your application to get approved.
Fast pre-approval: Some clients are approved in hours. We prepare everything upfront and submit to the right lender first time.
$0 cost to you: Lenders pay us directly. You get expert mortgage broker guidance at no extra cost. No hidden fees.

Home loans. Made simple. That is the Buyvest promise.

What our clients say

★★★★★

Verified reviews · Read all reviews on Google

★★★★★

"Ali is an excellent broker who truly knows his numbers. He made the entire process of securing two investment loans incredibly smooth and stress-free. What really sets him apart is the valuable advice he provides not just about loans, but also about making safe and smart investments. He's professional, reliable, and always has your best interests at heart. I've referred several friends and family to him, and they've all had the same outstanding experience."

Verified Google review

★★★★★

"Ali was very professional and was able to help with our complicated loans to refinance. He kept us up to date throughout the process and made sure my wife and I understood everything before signing and that we had no issues after settlement. The process was very smooth as a result. Would definitely recommend."

Verified Google review

★★★★★

"Ali is our trusted advisor for many years. He responds swiftly and honestly. He is the best in working out options for loans. He goes above and beyond to get the best outcome for the customers. I would recommend his services to anyone who wants to buy houses and still have peace of mind."

Verified Google review

Find your Hills District suburb

Our mortgage broker team serves every suburb across the Hills District. Select your suburb below for local lending insights, property-specific guidance, and tailored home loan solutions:

Annangrove
NSW 2156Acreage homes and equestrian estates in a semi-rural setting from $950K to $2.2M.View Annangrove lending guide ›

Baulkham Hills
NSW 2153Family homes, townhouses, and apartments near M2 and quality schools from $920K to $1.97M.View Baulkham Hills lending guide ›

Beaumont Hills
NSW 2155Contemporary family homes and townhouses near Metro Northwest from $850K to $1.9M.View Beaumont Hills lending guide ›

Bella Vista
NSW 2153Executive homes and Metro-adjacent apartments near Norwest Business Park from $870K to $2.73M.View Bella Vista lending guide ›

Box Hill
NSW 2765New build homes and house-and-land packages in a high-growth estate from $720K to $1.3M.View Box Hill lending guide ›

Carlingford
NSW 2118Family homes and apartments near James Ruse and Carlingford High catchments from $780K to $2.2M.View Carlingford lending guide ›

Castle Hill
NSW 2154Family homes, apartments, and heritage properties near Castle Towers and Metro from $1.0M to $2.5M.View Castle Hill lending guide ›

Cattai
NSW 2756Acreage estates and riverfront properties near Cattai National Park from $950K to $2.8M.View Cattai lending guide ›

Dural
NSW 2158Acreage homes, rural retreats, and village apartments near Round Corner from $850K to $2.3M.View Dural lending guide ›

Glenhaven
NSW 2156Large family homes and established estates near Oakhill College from $950K to $2.7M.View Glenhaven lending guide ›

Glenorie
NSW 2157Acreage homes and village properties in a charming semi-rural setting from $900K to $2.4M.View Glenorie lending guide ›

Kellyville
NSW 2155Family homes, estates, townhouses, and apartments with Metro access from $825K to $1.9M.View Kellyville lending guide ›

Kenthurst
NSW 2156Prestige acreage estates and equestrian properties in a countryside setting from $950K to $2.9M.View Kenthurst lending guide ›

Leets Vale
NSW 2756Riverfront properties and acreage blocks on the Hawkesbury River from $750K to $1.8M.View Leets Vale lending guide ›

Lower Portland
NSW 2756Riverfront blocks and bushland acreage near the Colo River junction from $700K to $1.5M.View Lower Portland lending guide ›

Maraylya
NSW 2765Acreage homes and hobby farms near Box Hill growth corridor from $850K to $2.1M.View Maraylya lending guide ›

Maroota
NSW 2756Bushland properties and farming acreage near conservation areas from $800K to $1.9M.View Maroota lending guide ›

Middle Dural
NSW 2158Grand acreage estates and architecturally designed homes from $1.0M to $3.26M.View Middle Dural lending guide ›

Nelson
NSW 2765Rural homes and acreage blocks near Box Hill development from $750K to $1.6M.View Nelson lending guide ›

North Kellyville
NSW 2155Contemporary family homes and townhouses on modern estates from $800K to $1.8M.View North Kellyville lending guide ›

North Rocks
NSW 2151Brick family homes, townhouses, and units near M2 and Muirfield from $780K to $1.95M.View North Rocks lending guide ›

Norwest
NSW 2153Executive homes and luxury apartments near Norwest Business Park and Metro from $870K to $2.5M.View Norwest lending guide ›

Rouse Hill
NSW 2155Homes, townhouses, and apartments near Town Centre and Metro from $670K to $1.37M.View Rouse Hill lending guide ›

Sackville North
NSW 2756Acreage estates and riverside properties near Cattai National Park from $850K to $2.2M.View Sackville North lending guide ›

South Maroota
NSW 2756Bushland estates and acreage properties with panoramic ridgeline views from $850K to $2.0M.View South Maroota lending guide ›

Pennant Hills
NSW 2120Heritage homes, family houses, and apartments near station and bushland from $750K to $2.1M.View Pennant Hills lending guide ›

Winston Hills
NSW 2153Established brick homes and townhouses near Winston Hills Mall and M2 from $780K to $1.69M.View Winston Hills lending guide ›

Wisemans Ferry
NSW 2775Heritage cottages and riverfront homes at the Hawkesbury River junction from $650K to $1.2M.View Wisemans Ferry lending guide ›

Estimate your borrowing power

Use our free calculators to understand what you can afford in the Hills District and how much you could save by switching lenders.

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Home loan solutions for every Hills District situation

Whether you are buying property, investing, or looking to refinance your home loan in the Hills District, we offer tailored mortgage solutions built around your needs:

Units in Rouse Hill, apartments in Castle Hill, and townhouses in Kellyville provide accessible entry for anyone looking to buy your first home in the Hills District. Many properties fall within government scheme thresholds. Our mortgage brokers work with first time home buyer lenders who offer special rates and LMI waivers, and navigate pre-approval, stamp duty concessions, and government grants on your behalf.

Learn more about first home buyer loans

Looking to buy your next home and upgrade from an apartment to a family home on a larger block? Buying a second property or moving to the Hills District from other parts of Sydney? Whether you are buying a second property to upsize or downsizing to something more manageable, our lender panel covers 35+ options so we can find the right deal for your situation.

Learn more about next home loans

The Hills District's investment case is built on lifestyle demand, heritage character, train and Metro connectivity, and premium rental returns across village and gentrifying suburbs. Whether you are purchasing an investment property for the first time or looking to invest into property and grow your portfolio, our brokers structure investment loans optimised for Hills District markets at $0 cost.

Learn more about investment property loans

If your Hills District home loan rate has not been reviewed recently, you could save thousands by choosing to refinance your home loan. At Hills District loan sizes, even a small rate reduction generates significant savings. We compare home loan refinance rates across 35+ lenders at $0 refinance cost to you.

Learn more about refinancing

Renovating or extending your Hills District property? Construction loans with progressive drawdown let you fund the build in stages. Our brokers structure renovation loans with progressive drawdown schedules suited to your renovation timeline.

Learn more about construction loans

Many Hills District buyers qualify for LMI waivers - particularly doctors, lawyers, accountants, and bank staff. Each lender has different eligibility criteria, so we check your profession against our full 35+ lender panel to find every waiver available to you.

Learn more about LMI waivers

The Hills District's creative, professional, and trades community includes many self-employed and freelance workers. Self-employed home loans require specialist knowledge, and our brokers know how to present variable income correctly to maximise your approved borrowing amount.

Learn more about self-employed loans

Need to buy house before selling your current one? Our home loan brokers arrange bridging finance so you can sell and buy at the same time or move decisively when the right Hills District home comes up.

Learn more about bridging loans

If you already own in the Hills District, you may be sitting on substantial equity. You can use equity to buy investment property without saving a second deposit. Our home loan brokers structure equity release strategies to fund your next investment at $0 cost.

Learn more about equity lending

Family willing to help you buy your first home? Guarantor mortgages let you borrow up to 105% without a large deposit. A powerful strategy for buyers whose income supports Hills District repayments but whose deposit has not caught up.

Learn more about guarantor loans

Use your Self-Managed Super Fund to purchase SMSF property in the Hills District. Our team structures SMSF home loans for retirement wealth building in one of Sydney's most in-demand family markets.

Learn more about SMSF loans

Consolidate multiple debts into one home loan with better rates. Our brokers simplify your finances through expert loan structuring at $0 cost.

Learn more about debt consolidation

How we help Hills District residents refinance, buy, and invest in property

Educate yourself on mortgage strategies, government schemes, and property insights relevant to buying in the Hills District:

Your best Hills District home loan is one conversation away.

Let us do the heavy lifting. Our mortgage broker team compares 35+ lenders, negotiates your rate, handles the paperwork, and gets you pre-approved fast - all for free. With 10+ years of experience and over 1,000 happy customers, we know how to get you the right deal. One call. Zero cost. Real results.

Book my free consultation

Serving the Hills District from Castle Hill to Wisemans Ferry

Our mortgage broker team serves buyers and investors across every Hills District suburb including Castle Hill, Baulkham Hills, Kellyville, Bella Vista, Rouse Hill, Dural, and all 28 suburbs across the region.

Hills District service area

Our office - Level 2, 129 Blaxland Rd, Ryde NSW 2112 | Get directions

Your questions about mortgage brokers and home loans in the Hills District, answered

Real answers to the questions Hills District buyers and homeowners ask. No jargon. No scripts. Just honest guidance:

The standard deposit is 20% of the purchase price to avoid Lenders Mortgage Insurance. At the local median house price of around $1.0M, that is approximately $200K. However, many buyers purchase with as little as 5% deposit - LMI applies but can be waived for eligible professionals. Family guarantor loans allow purchase with no deposit at all. If you are buying a second property, you may also be able to use existing equity as your deposit. If you are looking to buy your first home, government schemes like the First Home Guarantee let you buy with just 5% deposit and no LMI. Our brokers calculate your exact deposit requirement across 35+ lenders at $0 cost.

NSW first home buyers may access several government schemes including the First Home Guarantee (buy with a smaller deposit and no LMI), the NSW First Home Buyer Assistance Scheme (stamp duty exemption or concession for eligible properties), the First Home Owner Grant (a cash grant for eligible new homes), and the First Home Super Saver Scheme (withdraw voluntary super contributions for your deposit). Eligibility criteria and grant amounts change regularly, so our brokers check the latest thresholds for your situation. These schemes make it more affordable to buy your first home and our brokers help you understand the steps of buying a house from deposit to settlement. We work with first time home buyer lenders across our 35+ panel and check every scheme at $0 cost.

Yes. Castle Hill has a diverse property market with established family homes, modern apartments, townhouses, and heritage properties - and each comes with different lending requirements. A mortgage broker compares options across the best mortgage lenders and home loan lenders available, not just one bank. We access 35+ lenders, charge $0, and are legally bound by the Best Interests Duty to always put your interests first. We work with first time home buyer lenders offering competitive rates and LMI waivers, refinance specialists, and investment loan experts - whether you are buying property for the first time or refinancing an existing loan, a broker saves you time and money.

For Castle Hill buyers, a broker is the better choice. A single bank only offers their own products and may apply postcode lending limits or struggle with certain property types. A Buyvest mortgage broker compares the best mortgage lenders across our 35+ panel at $0 cost. If you are searching for a mortgage lender near me, we serve Castle Hill from our Ryde office and can meet in person, by phone, or video call.

When you are buying property in Castle Hill, each mortgage lender assesses your application based on property type, location within the suburb, your income and employment status, deposit size, and existing debts. Some lenders also consider the property's Metro proximity, block size, heritage listing status, and strata schemes. Not every home loan lender treats these factors the same way, which is why having a broker pre-check your application across 35+ lenders gives you a significant advantage.

Using a mortgage broker in Australia costs the borrower nothing in almost all cases. At Buyvest, we charge $0 fees. We compare the best mortgage lenders on your behalf and brokers are paid by the home loan lender via an upfront commission (typically 0.45% to 0.65% of the loan value) and an ongoing trail commission (0.1% to 0.2% annually). On a $1.8M Castle Hill home loan, that upfront commission is approximately $5,800 to $8,500 - paid entirely by the lender, not you.

Yes. Whether you want to buy your first home, buy your next home, or are buying a second property as an investment, Castle Hill's diverse market has options at various price points. Different lenders have different appetites for different property types and postcodes, which affects which lenders approve your loan. Our brokers navigate these across 35+ of the best mortgage lenders at $0 cost.

The timeline depends on your situation - some clients are pre-approved within hours, others take a few days for more complex applications. Buyvest speeds this up by preparing everything upfront and submitting to the right lender from our 35+ panel first time. Being fully pre-approved before you start looking is essential for competing with confidence in any market. Our service is free and starts with a no-obligation consultation.

Yes. If you are purchasing your first home, a mortgage broker can make the process significantly easier. Castle Hill provides Hills District entry for anyone looking to buy your first home. We work with first time home buyer lenders who offer competitive rates, LMI waivers, and government scheme access. Our brokers walk you through the steps of buying a house, navigate every government grant, and check LMI waiver eligibility at $0 cost.

Yes. Castle Hill's retail, medical, and business community includes many self-employed buyers. Self-employed home loans are one of our specialities. Not every mortgage lender accepts alternative documentation, so knowing which lenders are flexible with variable income is critical. If you are self-employed and searching for a mortgage lender near me, we can help. We present your income correctly to the right lender and structure self-employed home loans that maximise your borrowing power - at $0 cost.

If you own a property in Castle Hill or elsewhere, you may be able to use equity to buy investment property without touching savings. Usable equity is typically 80% of your property's current value minus your outstanding loan balance. Many homeowners who want to invest into property use this strategy to avoid saving a second deposit. You can use equity to buy investment property whether you own in Castle Hill or anywhere else across Sydney. Our mortgage brokers assess your available equity across 35+ lenders, structure the investment loan to optimise tax benefits, and help you use equity to buy investment property at $0 cost.

Yes. Speaking with a Buyvest mortgage broker is completely free. If you have been searching for a mortgage lender near me or a lender you can trust, our team is here to help. Our office is at Level 2, 129 Blaxland Road, Ryde, and we serve Castle Hill residents by phone, video, or in person. We are paid by the lender when your loan settles.

Yes. Whether you are purchasing an investment property for the first time or expanding an existing portfolio, our brokers structure investment loans to suit your goals. Castle Hill's Metro access, Castle Towers, and commercial hub status make it the Hills District's premier location to invest into property. We compare rates across the best mortgage lenders on our 35+ panel and handle the entire process at $0 cost.

Yes. Renovating or extending your property? Construction loans with progressive drawdown let you fund the build in stages. Our brokers structure these at $0 cost and coordinate the drawdown schedule with your builder so payments happen on time.

Lenders Mortgage Insurance is a one-off premium charged when you borrow more than 80% of a property's value. At local price points, LMI can cost $8,000 to $40,000+. You can avoid LMI by saving a 20% deposit, using a family guarantor loan, or qualifying for a professional LMI waiver available to doctors, lawyers, accountants, engineers, and other professionals with select lenders. The First Home Guarantee also eliminates LMI for eligible buyers looking to buy your first home. We work with first time home buyer lenders who offer these waivers and our brokers check every option across 35+ lenders at $0 cost.

Variable rates offer flexibility with extra repayments, offset accounts, and benefit if rates drop. Fixed rates provide repayment certainty for 1-5 years, protecting you if rates rise. Many buyers choose a split loan - fixing a portion for certainty while keeping the rest variable for flexibility and offset access. The best choice depends on your finances, risk tolerance, and plans. If you later want to refinance your home loan to a better rate, a variable loan has no break costs. Our brokers model both scenarios across 35+ lenders at $0 cost.

Refinancing replaces your current home loan with a new one at a lower rate or with better features. If you are wondering when to refinance, consider doing so if your rate is above market, your fixed period is ending, you want to access equity, or you need to consolidate debts. At typical loan sizes, even a 0.25% rate reduction saves thousands per year. We compare your current home loan refinance rates against the best mortgage lenders on our 35+ panel, calculate any break costs and refinance cost, and manage the entire home loan refinance at $0 cost. If you are asking should I refinance - we review your loan for free. When clients ask us should I refinance my home loan, we give you a clear answer.

Yes. Debt consolidation rolls higher-interest debts like credit cards, personal loans, and car loans into your home loan at a much lower rate. This can significantly reduce monthly repayments. However, it increases your home loan balance and extends the repayment period, so total interest may increase over the loan life. Our brokers assess whether consolidation genuinely saves you money and structure the best approach across 35+ lenders at $0 cost.

The most effective strategies are: making extra principal repayments; switching to fortnightly repayments (26 half-payments equals 13 full monthly payments); using a 100% offset account; and choosing to refinance your home loan to a lower rate. At Castle Hill's typical loan sizes, these strategies compound significantly. A Buyvest broker can manage a refinance to a lower rate at $0 refinance cost if a better deal is available.

That is exactly what Buyvest does for you. Instead of approaching one bank, we compare rates across the best mortgage lenders on our 35+ panel, including deals not publicly advertised. We know which home loan lenders are most competitive for Castle Hill properties. If you are searching for a mortgage lender near me who can find the best deal, we present a minimum of three options and the entire service costs $0.

Look for a broker with experience in the Hills District area, comfort with Castle Hill's property types, and access to multiple lenders. Buyvest has 10+ years of experience, compares the best mortgage lenders across our 35+ panel, charges $0 fees, and always presents a minimum of three options. If you need a mortgage lender near me, our Ryde office is easily accessible from Castle Hill. Verify any broker's Australian Credit Licence via ASIC's register.

We compare the best mortgage lenders across our 35+ panel to find you the best rate, handle all the paperwork, and guide you from pre-approval to settlement. Unlike a single home loan lender, we present a minimum of three tailored options for your situation. We combine 10+ years of experience with genuine expertise across every loan type - from first home purchases to refinancing, investment loans, and self-employed home loans. We are legally bound by the Best Interests Duty and our service costs $0.

Yes. If you want to refinance my home loan to a better rate, our brokers compare home loan refinance options across 35+ lenders, ensure you do not pay unnecessary exit or break fees, and calculate the total refinance cost before recommending a switch. We start with a free review of your current loan. Many clients who want to refinance my home loan save thousands. If you want to refinance my home loan and your rate has not been reviewed in 12-18 months, there is a strong chance we can save you money. When you refinance my home loan through Buyvest, the service costs $0.

A guarantor loan allows a family member, usually a parent, to use equity in their property as additional security for your home loan. This lets you buy your first home with as little as 0-5% deposit while avoiding LMI entirely. The guarantor does not make repayments - their property provides security until you build enough equity (typically 80% LVR) to release the guarantee. At local price points, this can save $15,000 to $40,000+ in LMI. Our brokers structure guarantor loans across 35+ lenders at $0 cost.

Your bank is a single mortgage lender that only offers their own products. A mortgage broker compares home loans across 35+ mortgage loan lenders - including all four major banks and specialist mortgage loan lenders you would never find on your own. We negotiate on your behalf, handle all the paperwork, and are legally bound by the Best Interests Duty to recommend the loan that is best for you, not the lender. The result? Better rates, more options, and a faster process. Instead of settling for one bank, you get access to the best mortgage lenders in the market. Our service costs you $0 - the lender pays our commission directly.

Over 10 years in lending and finance, and more than 1,000 clients helped across Sydney. We have helped Castle Hill residents buy their first apartment, upgrade to a family home, refinance to a lower rate, release equity to buy an investment property, consolidate debts, purchase SMSF property through a Self-Managed Super Fund, structure SMSF property loans for retirement wealth, and secure home loans for self-employed borrowers with complex income structures. We hold Australian Credit Licence 567392, compare 35+ lenders, and are bound by the Best Interests Duty. Every consultation is free.

On a $800,000 home loan, a home loan refinance rate reduction of just 0.25% saves approximately $2,000 per year. A 0.50% reduction saves around $4,000 per year - and over 30 years that compounds to over $100,000. Most homeowners who have not reviewed their rate in 12 months are paying more than they need to. We compare your current home loan refinance rate against the best mortgage lenders on our 35+ panel and tell you exactly how much you could save. The home loan refinance review is completely free and takes minutes. If there is no benefit to switching, we will tell you that too.