Melbourne's home loan refinance brokers
Refinance your mortgage to save and grow
Thinking of refinancing your mortgage?
Have you reviewed your mortgage rate in the past year? If you’ve been with the same bank, on the same interest rate for years now, you’ll be surprised how much money you can save by refinancing your home loan with us.
If you’ve been eyeing off some renovations, landscaping for the backyard, buying a new car or funding another property purchase, refinancing might be the answer. Refinancing allows you to take advantage of the growing equity in your property by drawing on the increase in your property value.
You may be surprised how much you can save or access through refinancing.
Here at Loan Gallery, we’re experts in helping you find and arrange the right refinancing options for your unique situation.
What is refinancing your mortgage?
Essentially you’ll be getting rid of your old mortgage and trading it in for a new one. Depending on your circumstances this can mean a new home loan balance and a new repayment amount.
How can you benefit from refinancing your mortgage?
Reassessing your mortgage on a regular basis is a savvy approach to minimise your repayments, build your property portfolio or use equity in a cost-effective way to fund purchases that meet your lifestyle needs.
Refinancing can save you spending more on interest, fees and repayments than you need too. Plus, you can switch to a loan that gives you access to extra features and greater flexibility to suit your circumstances as they change.
Save money
We’ve helped thousands of clients save by switching to a new home loan with lower interest rates, greater flexibility and improved features.
Free up cash
Use the equity in your home to buy an investment property, do some renovating or landscaping, take that dream holiday or buy a new car.
Change loan types
Maybe a loan suited your needs a few years ago, but as your financial situation has changed a new loan type could be more appropriate.
Free service
Our mortgage broker expertise doesn’t cost you a thing. The lender pays us a commission out of their money once your loan is settled.
How does refinancing your mortgage with Loan Gallery work?
The Loan Gallery difference ensures a personalised experience is at the heart of all that we do. We take the time to get to know you, your goals, dreams and aspirations – so we can find the best options for your needs.
We take the time to understand your situation and what you want to achieve so we can recommend the best loan structure and lender for you.
Getting the best results for our clients – every time, is at the heart of everything we do here at Loan Gallery.
You come first
Our brokers get to know you, and your goals. We remain agile and responsive throughout the process.
Extensive experience
Our brokers are experienced professionals with extensive finance and lender knowledge.
Connected to over 70 lenders
We have strong relationships with a range of lenders to help us negotiate the right deal.
We stand by our ethics
Our processes go beyond the standard expectation. We place a large focus on compliance practices.
Flexibility and after hours support
We’re in your corner to guide and risk assess your options. With quick response times and after hours support you’re always informed.
Awards winning brokers
We’ve held the title as Top performing brokerage in VIC/TAS by AFG for 8 years in a row. We really do walk our talk.
Ready for home refinance for a better deal?
How to refinance your home loan?
The Loan Gallery home loan mortgage refinance process takes the headaches and paperwork off your plate.
We get together with you to understand your unique circumstances and to answer any questions you might have.
We’ll do what we do best and negotiate competitive finance from our wide range of lenders. With the trouble of researching all the options left in our capable hands, we’ll then come back to you and present you with the best options for your goals.
We’re all about being transparent and ethical in all that we do. That’s why we’ll clearly detail the fees associated with exiting your current loan and entering your new loan. We’ll make sure we include both lender and government fees. We’ll do the sums to ensure the benefits of refinancing outweigh the costs and you’ll have the confidence in knowing you’ve made the right choice.
Once you’ve chosen a lender, we do all of the hard work for you; preparing the application, gathering all of the required documentation and submitting it to the lender you’ve chosen.
Upon approval of the loan your lender prepares your loan agreement. Your dedicated Loan Gallery Finance expert then reviews the agreement in detail.
This is the easy part. Your new lender contacts your old lender, and they meet electronically to formalise the change from one to the other, and you’re on your way.
Your new loan is in place and you can celebrate knowing you’ve saved dollars or get to the fun part of using your additional equity for that renovation, new car or additional property purchase.
Ready to calculate your refinanced repayments
Use our calculators to find out what your updated repayments might be, or simply give us a call for a no-obligation chat about your personal situation. We are here to help, and happy to talk anytime.
Download our handy guide that explains everything you need to know when you're thinking about refinancing.
We also provide more loan services like building loans, home renovation loans, personal loan consolidation and more.
