Share the basics
Tell us what you need and how a broker can reach you.
A better fit for what comes next
Refinance your home loan
Explore refinancing with a mortgage broker who can assess your circumstances, costs and available loan options.
Request a reviewA clearer starting point
What the conversation can cover
Refinancing can be useful when your loan no longer suits your plans, but a lower advertised rate is only part of the picture. Switching costs, loan structure, features and your expected time in the property all matter.
- Compare the current loan with potential alternatives
- Consider switching costs, repayments, features and loan structure
- Explore options for debt consolidation or accessing equity where appropriate
- Check whether resetting or extending the loan term could increase total interest over time
- Discuss how property valuation, available equity and lender requirements may affect refinancing options
What happens next
Simple to request. Personal from there.
Talk it through
A broker learns about your circumstances, priorities and timeframe.
Consider the next step
If you continue, the broker can assess and explain suitable options.
Helpful to know
Common questions
Will refinancing always save money?
No. The outcome depends on rates, fees, switching costs, loan term and your circumstances. A broker can help compare the overall position rather than relying on one advertised number.
Can I refinance with less than 20% equity?
It may be possible, although lender criteria and costs such as lenders mortgage insurance can affect the result. A broker can assess your position with you.
What costs should I consider before refinancing?
Possible costs include discharge, application, valuation and settlement fees, government charges, fixed-rate break costs and lenders mortgage insurance. These vary by lender and circumstances, so the potential benefits should be considered against the total cost of switching.
Does refinancing restart my loan term?
A refinanced loan may have a new repayment term. Extending the remaining term can reduce repayments but may increase the total interest paid, so the term should be considered alongside the rate, fees and your goals.
Your next step
A clearer mortgage conversation starts here.
Share a few details and request a call from an appropriately licensed or authorised mortgage broker. No pressure and no obligation to proceed.
- Australia-wide support
- A human follow-up call
- No sensitive documents in the first step