Refinancing

Take advantage of better rates on the market and start saving.

Rated 5 from 62 Reviews

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Wanting to save on your Home or Investment Loan?

Refinancing a loan is the number one way most of our clients reduce interest repayments on their home loan or investment loan. Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies so chances are we can find a better loan for you.

As a property appreciates over time, you may be able to use this increased equity to obtain a larger loan amount. The extra funds can be used for various purposes, such as home renovations, debt consolidation, or even investments. Refinancing also allows borrowers to consolidate multiple loans into one, simplifying their financial management and potentially reducing overall interest costs. We can also help you understand the impact of any break-costs or exit-fees that may apply to your current loan, to make sure you can compare the true savings of refinancing.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to refinance your home or investment loan, we have the expertise and experience to guide you through the process and make the right choice.

How much could you save?

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Refinancing your Home or Investment Loan

1. Initial consultation and eligibility

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

2. Online fact-find and document collection

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.

3. Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

4. Settlement

You settle on the property, your loan draws-down and you're good to go!

Book Appointment

AC

Amanda Cecchin

Over the years we have had multiple dealings with Stephanie. She has been nothing but professional and prompt. Her knowledge and advice is ap very appreciated! We will be back again!

JP

Jessica Pimm

Stephanie was fantastic and made the process super easy! She was very informative and super helpful! Would definitely recommend her to anyone who is looking for a loan

L

Leon

All I can say there is not enough stars. Wow unbelievable very professional easy to talk to very happy thanks

Frequently Asked Questions

Is it genuinely possible to pay off my loan in 10 years?

Absolutely! Like anything worthwhile, it requires commitment and sacrifice, but the prospect of being debt-free in a decade sounds appealing, doesn't it?

I'm uncertain if I'm ready; can you assist in developing a purchase plan?

Certainly. We encounter many people in a similar situation, whether they're not quite ready but have a goal, or they're unsure about their readiness. We'll guide you every step of the way, speaking in plain language while explaining the necessary steps for obtaining financing.

Do you impose any fees?

In general, no. However, there are exceptions that depend on the complexity of your situation and whether we will receive compensation for our services. Any applicable fees will be transparently communicated to you at an early stage.

Why Choose a Mortgage Broker Over a Bank?

In brief, it's all about choice (with access to 50+ lenders), service (our unwavering commitment to supporting you, not just for the immediate transaction but also your long-term goals and objectives), and advice (our expert guidance tailored to your unique needs). Banks simply can't compete with our offerings. Moreover, we are obligated to act in your best interests, in line with the recently introduced Best Interest Duty (BID), a requirement that banks cannot fulfill.

Someone suggested I should be purchasing property within my SMSF. Can you assist with this?

Yes, we can. The SMSF (Self-Managed Super Fund) space is currently a trending option, and we work with several lenders who operate in this market. If you already have SMSF lending, when was the last time you reviewed it? We've seen substantial savings for clients who were able to secure significant interest rate reductions. If you haven't had your SMSF loan reviewed, it's in your best interest to schedule a Loan Review with us.

My business financials aren't up-to-date, can I still secure financing?

Yes, you can. Depending on factors such as GST registration and the length of time your ABN has been established, it may be possible in some cases to use financials from the previous financial year. Some lenders also offer financing without financials, provided your BAS is current and the numbers align. Understanding which lenders are more accommodating to self-employed applicants is crucial, and our expertise can guide you through these types of applications.

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