Refinance to a Better Home Loan

Get a better deal on your home loan with lower rates, better features, and potential savings of thousands of dollars annually.

Refinancing your home loan can save you thousands of dollars and provide access to better features and terms. Our refinancing specialists conduct comprehensive reviews of your current loan and compare it against the entire market to find better options. Whether you're looking to reduce your interest rate, access equity for renovations or investments, consolidate debt, or switch from interest-only to principal and interest, we'll help you achieve your goals while minimizing costs and hassle. Our streamlined refinancing process often includes no cost options, where the new lender covers switching costs, making it easier than ever to get a better deal on your home loan.

Get Your Home Loan Refinancing Quote

Fill out the form below and our home loan refinancing specialists will contact you with a personalized quote and advice.

Key Features

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Comprehensive loan health check

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Market-wide rate comparison

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No-cost refinancing options

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Equity release strategies

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Debt consolidation solutions

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Loan feature upgrades

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Faster application process

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Switch cost coverage

Benefits

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Access to competitive interest rates

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Fast pre-approval and settlement

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Expert guidance throughout the process

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Potential savings of thousands per year

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Access to better loan features

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Improved cash flow management

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Debt consolidation opportunities

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Often no cost to switch lenders

Our Refinancing Process

Our streamlined process makes getting your home loan refinancing straightforward and stress-free.

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Loan Health Check

We review your current loan and identify potential savings and improvements

30 minutes

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Savings Analysis

We calculate potential savings and compare costs vs benefits

1 hour

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Market Comparison

We compare your current loan against all available options

1-2 days

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Recommendation Report

We present our recommendations with clear savings projections

1 day

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Application Lodgement

We prepare and submit your application to the chosen lender

1-3 days

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Approval & Switching

We manage the approval and coordinate the switch between lenders

5-14 days

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Loan Switch Completion

We ensure a smooth transition to your new loan with better terms

30-60 days

Refinancing Eligibility

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Existing home loan with equity in the property

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Regular income and stable employment

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Good credit history and repayment record

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Property valuation meets lender requirements

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Meet new lender serviceability criteria

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Typically minimum 6 months with current lender

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Property insurance in place

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No significant adverse changes in circumstances

Not sure if you meet the requirements? Get in touch for a free assessment.

Check My Eligibility

Frequently Asked Questions

How much can I save by refinancing?

Savings vary depending on your current rate, loan amount, and new loan terms. Many clients save $2,000-$5,000+ per year. Even a 0.5% rate reduction on a $500,000 loan saves approximately $2,500 annually. We provide detailed savings calculations during our assessment.

What are the costs involved in refinancing?

Costs may include application fees, valuation fees, legal fees, and discharge fees from your current lender. However, many lenders offer "no cost" refinancing where they cover these costs. We always ensure the savings outweigh any costs involved.

How long does the refinancing process take?

Refinancing typically takes 4-6 weeks from application to settlement. This includes processing time, property valuation, and coordination between old and new lenders. We manage the entire process to ensure smooth timing.

Can I access equity when refinancing?

Yes, refinancing is an excellent time to access equity for renovations, investments, or debt consolidation. We can help you determine how much equity you can access and structure the loan appropriately.

Will refinancing affect my credit score?

Refinancing may cause a temporary small dip in your credit score due to credit inquiries, but this typically recovers quickly. The long-term benefits of better loan terms usually far outweigh any temporary impact.

Is it worth refinancing for a small rate difference?

Even small rate differences can result in significant savings over time. We calculate the total benefit including rate differences, fee savings, and improved features. Sometimes switching for better features alone can be worthwhile.

Have more questions? Our experts are here to help.

Ask Our Experts