Refinance Your Home Loan for Better Rates & Flexibility
Unlock sharper rates and smarter features by refinancing your current loan. Our expert finance brokers assess your structure, model savings, and compare products across 30+ lenders. Consolidate debts, release equity for renovations or investments, and either minimise repayments or reduce your loan term through a smooth, stress-free process with fast approvals.approvals. Compare options across 30+ lenders and transition ownership with confidence.
Refinance Your Home Loan for Better Rates & Flexibility
Unlock sharper rates and smarter features by refinancing your current loan. Our expert finance brokers assess your structure, model savings, and compare products across 30+ lenders. Consolidate debts, release equity for renovations or investments, and either minimise repayments or reduce your loan term through a smooth, stress-free process with fast approvals.approvals. Compare options across 30+ lenders and transition ownership with confidence.
Why Use a Broker?
Expert advice
We stress-test scenarios (fixed, variable, split), weigh costs versus savings, and recommend a structure aligned to your goals cashflow, flexibility, or paying the loan down faster.
Broad lender access
We compare over 30 lenders major banks and specialists to balance rate, policy, fees, and turnaround for your situation.
Transparent costs
Our service is typically free to you (paid by the lender). If any brokerage fee applies in your scenario, we’ll disclose it clearly before proceeding.
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How We Refinance - Step by Step
Step 1: Discovery & Savings Check
We confirm goals, remaining term, features, and exit costs (e.g., break fees). Then estimate savings and breakeven.
Step 2: Options & Strategy
We shortlist lenders and structures (fixed/variable/split, offset/redraw), factoring cashback offers, fees, and policy fit.
Step 3: Application & Credit
We prepare documents, manage valuation and conditions, and negotiate pricing to secure a competitive outcome.
Step 4: Settlement & Switch
We coordinate discharge with your current bank, align settlement dates, and set up offsets/direct debits so the switch feels effortless.
Refinancing Options
Move to a lower rate or sharper package keep flexibility with features like offset, extra repayments, and redraw.
Roll high-interest debts (cards, personal loans) into your home loan to simplify repayments and improve cashflow.
Access equity for renovations, investments, or major expenses structured to maintain serviceability and future borrowing power.
Lock in certainty, keep flexibility, or blend both. We’ll model repayments and total cost over time.
Sometimes the best win is staying put. We negotiate a reprice and compare it against switching offers.
Add or restructure offsets, redraw, and package benefits to match how you manage money day-to-day.
Freequently Asked Question
Often-especially if your current rate sits above market or your loan has the wrong features. We model true savings after discharge fees, application costs, government charges, and any fixed-rate break costs, then calculate a breakeven (how many months until you’re ahead). We’ll also compare an internal reprice with your existing lender versus a full refinance, so you only switch if the net benefit is clear.
Usually yes. Valuation drives your LVR, pricing tier, and whether LMI applies. Lenders use different methods-AVM (automated), desktop, kerbside, or full inspection-depending on property type and risk. We target lenders whose valuation approach suits your property (e.g., apartments, acreage, new builds), because a stronger valuation can unlock sharper pricing and avoid unnecessary LMI.
If your LVR ≤ 80%, LMI typically isn’t needed. Above 80% often triggers new LMI (LMI isn’t generally portable between lenders). We’ll check if recent price growth has lifted your value, whether a smaller cash-out keeps LVR ≤ 80%, or if staying put and repricing makes more sense. Where LMI is still required, we’ll compare premiums versus savings to confirm the breakeven.
With complete documents, straightforward refinances commonly settle in 2-4 weeks. Timelines depend on valuation access, lender queues, and how quickly discharge documents are processed by your current bank. We run tasks in parallel (valuation, credit, discharge), keep you updated, and line up settlement so your offsets, direct debits, and repayments move across without gaps.
It depends on your goals and risk tolerance. Fixed provides repayment certainty (handy for tight budgets) but usually limits features (e.g., extra repayments/offsets) and can attract break costs if you exit early. Variable is flexible (offset, unlimited extras, easier switches) but can change with the market. A split loan blends both-we’ll model repayments, total cost, and flexibility under multiple rate scenarios.
Sometimes. We treat cashback as the icing, not the cake short-term cash can be outweighed by a higher ongoing rate or fees. Our comparison includes rate, fees, features (offset/redraw), and the cashback to confirm net benefit over 12–24 months. If a no-cashback lender with a lower rate wins over the term, we’ll recommend that path instead.
Ready to Refinance?
Let’s confirm your savings, compare lenders, and map the best path clear, practical, and aligned to your goals.
Lenders in our Panel
We have over 30 lenders in our lending panel and some of our majors are listed below:
