Refinancing Your Home Loan

Switching to a better rate could save you thousands. We make refinancing simple, fast, and hassle-free — and it costs you nothing.

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Why Refinance?

Is It Time to Review Your Mortgage?

Many Australians are paying more interest than they need to. If you haven't reviewed your home loan in the past 2 years, you could be missing out on significant savings.

Your current rate is higher than 6% p.a.

You want to access equity in your home

You want to consolidate debt

Your fixed rate is about to expire

You want better loan features (offset, redraw)

Your financial circumstances have improved

Get a Free Refinance Review

The Process

How We Make Refinancing Easy

Free Review

We analyse your existing loan and identify potential savings across our lender panel.

Compare Options

We present the best refinancing options, including an honest breakdown of costs and savings.

We Apply for You

Once you choose, we handle the entire application process with your new lender.

Start Saving

Your loan is discharged from the old lender and settled with the new one. Start saving immediately.

FAQ

Refinancing Questions Answered

What are the costs involved in refinancing? +

Costs typically include a discharge fee from your existing lender ($150–$400), government fees for transferring the mortgage, and potentially break fees if you're on a fixed rate. We'll give you a full cost-benefit analysis before you commit to anything.

How long does the refinancing process take? +

Usually 2–4 weeks from application to settlement. We streamline the process to get you into your new, better-rate loan as quickly as possible.

Will refinancing affect my credit score? +

A new credit enquiry will appear, but a single refinance typically has a minimal impact. We advise on timing to minimise any effect, particularly if you're planning other credit applications.

Can I refinance if I have less than 20% equity? +

Yes, but you may need to pay LMI again on the new loan. We'll calculate whether the savings outweigh the cost, so you can make an informed decision.