Refinancing
Stop paying the loyalty tax on your home loan
Lenders reserve their best rates for new customers. We put you back in the 'new customer' seat across 40+ lenders - and handle the entire switch for you.
How we help
If you haven't reviewed your home loan in the last two years, there's a good chance you're paying more than you need to. Even a 0.5% rate difference on a $600,000 loan is roughly $3,000 a year - money that belongs in your pocket, not the bank's.
Refinancing isn't only about rate. We also help clients consolidate debts, unlock equity for renovations or investment, split loans between fixed and variable, and restructure lending that no longer fits their life.
A genuine market comparison
We compare your current loan against 40+ lenders - including the smaller lenders whose sharp rates never make the front page.
We do the switching for you
Discharge forms, new applications, settlement bookings - our team manages the whole process. Most clients spend under an hour on it in total.
Repricing without moving
Sometimes the best move is staying put. We'll pressure your current lender for a better rate first - if they match the market, you win without the paperwork.
Equity & structure advice
Cash out for renovations, set up an offset strategy, or release equity for your next purchase - structured properly from day one.
The process
From first call to settled, step by step
Loan health check
Send us a recent statement. We benchmark your rate, fees and structure against today's market in 24-48 hours.
Compare & recommend
You get a short list of options with real numbers: monthly savings, switching costs and break-even point.
Application & approval
We package and lodge the application, manage the valuation and chase the lender until it's approved.
Settlement
The new lender pays out the old loan. Your repayments drop, and we diarise a rate review so you never drift onto a lazy rate again.
Refinancing
Get a free home loan health check
Find out in 48 hours whether your rate still stacks up - and what switching would save.
- Takes about 60 seconds
- No credit check, no obligation
- A licensed broker reviews every enquiry personally
Common questions
Refinancing FAQs
Typical costs are a discharge fee from your current lender (usually $150-$400), government registration fees (a few hundred dollars) and sometimes an application fee - often waived. Many lenders offer cashback or fee rebates. We always show your break-even point so you can see exactly when the savings outweigh the costs.
Get a free home loan health check
Find out in 48 hours whether your rate still stacks up - and what switching would save.