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Get a Free Rate Review07 4599 4601Who this is for
Refinancing is for any homeowner or investor looking to get a better deal on their existing loan. Whether your fixed rate is expiring, you want to access equity, or you simply haven't reviewed your rate in over a year, it's worth a quick conversation.
- Homeowners whose fixed rate is expiring
- Anyone who hasn't reviewed their rate in 12+ months
- Borrowers wanting to access home equity
- People wanting to consolidate personal or car loan debt
- Investors seeking better loan structure for tax efficiency
- Those wanting features their current loan doesn't offer (offset, redraw)
What's included
- Rate comparison across 60+ lenders
- Full cost-benefit analysis: we only recommend refinancing if it makes sense
- Cashback refinance deals where available ($2,000–$4,000)
- Equity release structuring for renovations or investment
- Debt consolidation assessment
- No upfront cost to compare, fee-free until settlement
How it works: step by step
Rate Review Call
We start with a 15-minute chat about your current loan, rate, and what you want to achieve. Many clients are surprised how quickly we can identify savings.
Market Comparison
We compare your current loan against our panel of 60+ lenders and identify the best alternatives, factoring in break costs, cashbacks, and your specific needs.
Cost-Benefit Analysis
We'll present a clear summary showing your current cost, the new cost, refinancing expenses, and your breakeven point. We only recommend proceeding if the numbers work in your favour.
Application & Discharge
We handle the new loan application and manage the discharge of your existing loan. You don't need to deal with either lender directly. We do it all.
Settlement
Your new loan settles, your old loan is discharged, and you start saving. We'll follow up to make sure everything is working as expected.
How much could you save?
Enter your current loan details and a target rate to see your potential monthly saving. Then book a free call: we'll find the actual rate you qualify for across 60+ lenders.
Most refinancers save between $200–$600 per month. On a $500,000 loan, dropping just 0.5% saves over $150/month, or $9,000 over 5 years.
Refinance Savings Calculator
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Your results
Ready to refinance?
We compare 60+ lenders to find the sharpest rate for your loan size and situation. Free.
Get a Rate ComparisonEligibility at a glance
Eligibility varies by lender. Don't let these criteria put you off: we often find solutions that aren't obvious upfront.
- Existing home loan with any lender
- Sufficient equity (most lenders require 80% LVR or better for standard refinance)
- Stable income with ability to service the new loan
- Good credit history (some lenders work with impaired credit)
- Property in acceptable condition (no lender-specific concerns)
Common questions
How long does refinancing take?
From application to settlement typically takes 2–4 weeks. We manage the process so you don't need to do much: just sign the documents when they arrive.
Will refinancing hurt my credit score?
A single credit enquiry has minimal impact on your score. The benefit of securing a lower rate and saving money far outweighs any temporary impact from one enquiry.
What if I'm on a fixed rate?
Refinancing out of a fixed rate early can incur break costs, which can sometimes be significant. We'll calculate the exact break cost for you and factor it into the cost-benefit analysis. Sometimes it's worth paying to break early; sometimes it's better to wait.
Can I refinance to access my equity?
Yes. If your property has increased in value or you've paid down your loan, you may have equity you can release for renovations, an investment property deposit, or other purposes. We'll calculate your usable equity and find the best structure.
Ready to get started with Refinancing?
Book a free consultation. We'll assess your situation and show you the best options across our 60+ lender panel.