• Refinance Specialists

    With access to nearly 30 lenders, we provide tailored refinancing solutions to help you secure the best package for your unique financial needs.

  • We Help You Find The Best Package For You

    Whether you're looking to lower your interest rate, reduce monthly payments, or access equity, we assess all your options and guide you toward the ideal choice.

  • We Are Refinance Specialists

    Let us simplify the process and find the solution that helps you get ahead financially.

Refinancing Your Home Loan

Is your interest rate expiring soon?

Refinancing your mortgage involves taking out a new home loan with a new Bank or lending provider that has better, more suitable terms to repay your current home loan(s).  When you refinance you can examine all aspects of your lending and look for an option that will best suit your current circumstances.  When you take out lending you’re looking for the best loan at that particular moment in time but a lot can change over the life of your loan and your current Lender may not be the best option for you now.

Depending on what your overall reason or goal for refinancing is, refinancing can help you to:

  • Lower or increase your repayments

  • Make a lump sum or take out a top up.

  • Get a better interest rate on your lending

  • Get a cash contribution.

  • Save in interest costs over the long term.

  • Reduce your fees.

  • Pay your loan off faster.

  • Change parties to the loan (bring someone on, buy someone out).

  • Release some equity to renovate or extend your property.

  • Consolidate lending including consumer debt.

  • Switch to a more suitable product (e.g. offset mortgage)

FAQs

  • If you are considering refinancing, the best time to review your mortgage is at least three months out from when your fixed-rate period is ending. This will give you enough time to review things with a mortgage adviser and consider all your options.

  • Refinancing can sometimes come with fees. Some common costs include break fees for ending a fixed-rate term early, legal fees for conveyancing work, and possible valuation fees if a new property appraisal is required. However, many lenders offer incentives like cash-back offers to help offset these costs. It’s important to weigh the costs against the potential savings when considering refinancing. We only recommend refinancing when the benefits far outweigh the negatives and it is relatively straight forward for us to work out quickly whether or not refinancing now is a good option or whether you would be better to re look at it at a date in the future.

  • The documents required for a refinance are the same as those you would need to apply for a home loan; ID documents, income proof, bank statements and whatever standard client onboarding forms the bank(s) you are approaching require (often things like your tax self certification, bank mandates etc).

  • There are several reasons to refinance your home loan. Some of the most common reasons include accessing a cash back contribution from the new Bank and securing a lower interest rate to save on repayments, accessing equity in your home to fund renovations or other investments, consolidating debt, or switching to a more flexible loan structure. Refinancing can also help you manage cash flow more effectively by restructuring your mortgage payments.