Comprehensive loan review
We assess your current rate, fees and features against the options available from our lender panel.
Refinancing
Refinance your home loan with confidence.
Lenders often reserve their most competitive pricing for new customers. When you refinance with us, we review your current home loan against the market, set out the costs and potential savings of switching, and manage the process if refinancing is in your interest.
Secure online application. No obligation to proceed.
Who it's for
How we help
- Rate and fee review
- Fixed rate expiry
- Equity release
- Renovation funding
- Debt consolidation
Net cost analysis
We weigh potential savings against switching costs such as discharge fees, break costs and new loan fees, so you see the net outcome.
Repricing with your current lender
Your current lender may reduce your rate to retain you. We can assist with that request, which avoids the cost of switching.
Managed transition
If refinancing is in your interest, we manage the new application and the discharge of your existing loan.
Preparation
Documents to prepare
Documents can be uploaded securely when you apply. Your broker will confirm your lender's specific requirements.
Fixed rate expiring?
We recommend a review two to three months before your fixed term ends, so you have a plan in place before the loan reverts to a variable rate.
- Home loan statementsThe last six months for each loan
- Photo identificationDriver licence or passport
- Proof of incomeRecent payslips, or tax returns if self-employed
- Other liabilitiesStatements for credit cards, car and personal loans
- Rates noticeA recent council rates notice for the property
“Recently refinanced with the help of Reece. He made the whole process super easy and stress free.”
Questions
Frequently asked questions
What does it cost to refinance?
Common costs include a discharge fee from your current lender, possible break costs on a fixed rate, application or settlement fees with the new lender, and in some cases lenders mortgage insurance if you borrow more than 80% of the property's value. We include all of these in our comparison.
How often should I review my home loan?
At least annually, and whenever your fixed term is ending, your circumstances change or interest rates move noticeably.
Is consolidating debts into my home loan a good idea?
It can reduce your monthly repayments, but spreading short-term debts such as credit cards over a 25 or 30-year loan can increase the total interest paid. We will outline both sides before you decide.
Can I access equity for a renovation or investment?
In many cases, yes. Equity is the difference between your property's value and the amount owing. Lenders generally allow you to borrow up to a percentage of the value, subject to valuation and your capacity to repay.
Does using a broker cost me anything?
In most cases you do not pay us a fee, because the lender pays us a commission when your loan settles. Our Credit Guide explains how we are paid, and we will tell you upfront if any fee applies.
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Start the conversation.
Apply online or book a consultation with a broker. We work with clients Australia-wide.