Rate and repayment review
Compare your present rate, repayments and loan features with suitable alternatives.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Home loan refinancing
Refinance for more than a headline rate.
Review your current loan, compare the true cost of switching and shape a structure that supports your repayments, cash flow and next goals.
Current loan health checkSwitching costs calculatedStructure and features reviewed
Read the related lending case study 
Clear advice from start to finish.18 years’ experience · 40+ lenders compared
How we help
Find out whether switching really adds up.
A lower advertised rate does not automatically mean a better outcome. We compare the numbers, features and trade-offs in the context of your plans.
True switching cost
Factor in discharge, application, valuation and ongoing fees before making a decision.
Loan structure
Review fixed and variable splits, offset accounts, redraw and repayment flexibility.
Equity opportunities
Understand whether available equity could support renovations, investment or other priorities.
Your pathway
A considered process. Clear next steps.
Review
We examine your loan, goals and changing circumstances.
Model
We calculate the costs, savings and break-even point.
Compare
We research suitable alternatives across our lender panel.
Switch
If refinancing makes sense, we manage the application and transition.
Talk to an experienced broker
Let’s make your next step clearer.
Share a few details and Chris will contact you personally to understand your position and outline a useful next step. There’s no pressure and no obligation.
Common questions
Good decisions start with good questions.
When is it worth refinancing?+
It may be worth considering when your rate is no longer competitive, your loan features no longer suit you or your goals have changed. The potential benefit should be weighed against all switching costs and the new loan term.
Does refinancing reset my loan to 30 years?+
Not necessarily. We can compare repayments using your remaining term as well as other term options, so a lower repayment does not unintentionally increase total interest.
Can I refinance a fixed-rate loan?+
Often yes, but break costs may apply and can be significant. We will help you obtain and consider those costs before recommending a course of action.
This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assistance is subject to assessment, lender criteria and approval. Government scheme and grant eligibility is determined by the relevant authority.