Reduce interest or repayments
Compare your current loan with available alternatives, including all relevant switching costs.
Home loan refinancing · Australia-wide
Is your home loan still doing the right job for you?
A refinance review looks beyond the advertised rate. We compare repayments, fees, loan features, remaining term and the reason you want to make a change — then explain whether refinancing may genuinely improve your position.
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Reasons people review or refinance a home loan
Improve loan features
Consider an offset account, redraw, repayment flexibility or a structure that better suits your goals.
Access available equity
Explore funding for renovations, investment or another purpose, subject to valuation, serviceability and lender approval.
Consolidate debts
Review whether consolidating eligible debts could simplify repayments, while considering total interest and the risks of extending the term.
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What we examine before recommending a refinance
- Your current interest rate, repayments, balance and remaining loan term
- Fixed-rate break costs, discharge fees, application fees and any cashback conditions
- Available equity and the lender’s property valuation
- Your current income, expenses, liabilities and borrowing capacity
- Offset, redraw and other features you use or may need
- The short- and long-term cost of the proposed structure
A lower rate does not automatically mean a better result. Restarting a long loan term or adding short-term debts to a mortgage can increase the total interest paid. We compare the wider position, not only the headline repayment.
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How the refinance process works
- Review: tell us what you want to improve and provide details of your current lending.
- Compare: we assess lender options, costs, features and your eligibility.
- Apply: we prepare the application, supporting documents and valuation requirements.
- Approval and discharge: we coordinate with the new lender while your existing lender processes the discharge.
- Settlement: the new loan pays out the old loan and your new accounts are established.
FAQ
Questions people often ask
How do I know if refinancing is worth it?
It depends on the interest saving, switching costs, loan term, features and your future plans. A comparison should show both the immediate repayment difference and the longer-term cost.
Can I refinance to consolidate debt?
It may be possible, subject to lender assessment. Consolidation can reduce the monthly outgoing but may increase total interest if short-term debt is spread over a much longer home-loan term.
What documents are usually needed?
Common requirements include identification, income evidence, home-loan statements, statements for other debts, living-expense details and property information. The exact list depends on your circumstances.
How long does a refinance take?
Timing varies by lender and discharge provider. Approval, loan documents and the existing lender’s discharge process all affect the timeframe, so it is best to start well before any fixed deadline.
Ready when you are
Let’s talk about your next step.
No pressure and no silly questions — just a clear conversation about your position and what may be possible.