Refinancing Your Home Loan

Refinancing a Property?

Click here to calculate how much you can borrow.

Things change, but most people never think about changing their existing mortgage. The good news is it can be simple to achieve, and can yield you real benefits! Refinancing your loan can have many advantages including paying off your mortgage faster – and for less – and locking in a lower interest rate. But that’s not the whole story.

– It’s easy: we do all the hard yards for you.
– There’s a fast turnaround (24-48 hours is common).
– You can access valuable new benefits and even cash bonuses^.

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.

^Terms and conditions apply. Credit approval subject to normal lending criteria; cashback offers are provided directly by some lenders and may only be available for particular loan products.


Can I get a mortgage where I pay less than I’m paying now?

It’s always best to shop around and check you’ve got the right loan for your current needs. Our team can explain your options depending on the interest rate you’re currently paying, the type of loan you have and so on.

Can I consolidate credit card or other debts into a home loan?

This is one of the biggest reasons people refinance. You pay a much lower interest rate on a mortgage than with most other forms of debt (for example, credit card debt) so providing you’ve got sufficient equity in your property, you may be able to consolidate all of your debt into a home loan. If you choose to do so, it’s important to maintain repayments or you could easily end up paying more over a longer period of time. Contact us today to discuss your unique circumstances.

How much money can I borrow?

This depends on your individual finance and borrowing situation. You can get an estimate (subject to satisfying legal and lender requirements) with our clever loan options tool. Speak with one of our brokers for personalised calculations.

How often do I make home loan repayments?

Most lenders offer flexible repayment options. Ideally, weekly or fortnightly repayments are the better solutions as you’ll make more payments within a year.

How do I choose a loan that’s right for me?

Our guides covering loan types and features are a good starting point to gauge the main loan options available. With so many home loans on offer, it’s best to reach out to us for personalised guidance.

What fees/costs should I budget for?

There are a number of fees and costs involved when buying a property. Here’s a snapshot of standard costs to budget for: stamp duty, legal/conveyancing fees, building and pest inspection, lender fees, moving costs and mortgage insurance costs.

We’re in your corner.

Get the facts on the loan that best suits your needs today.