Refinance with purpose, not just rates
Get clarity before you switch. Lower your cost, improve your loan structure, and gain more control—we make sure refinancing actually improves your position.
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Built for your stage
Whether you're starting out or stepping up, we structure loans that work with your life.
Five steps to your home
We move fast and keep you informed at every turn.
Review your current loan and goals
Understand what you have and what matters
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Compare savings and structure improvements
See the real numbers and better options
Assess costs and break even timeframe
Know when the switch actually pays off
Submit refinance and manage discharge
We handle the paperwork and settlement details
Set up offsets and accounts correctly
Get your new loan working for you
Who we help
We move fast and keep you informed at every turn.
Home owners wanting better value
Refinancing can lower your interest rate, reduce repayments, and help you get more value from your home loan.
High rates, poor features
Refinancing can help lower high interest rates and give you better loan features.
Borrowers seeking offset accounts
We simplify your loan with an offset option to reduce interest and improve cash flow.
Investors resetting their strategy
We help investors restructure loans and realign finance with their goals.
Considering equity release
Release property equity wisely—explore your options and make the right choice.
What we examine before lending
We dig into the details that matter. Your income, debts, deposit, and the property itself all shape what's possible.
Rates, Fees & Features
Check rates, fees, and features for the best refinance option.
Term & Repayments
Check your loan term and repayments for easier refinancing.
LVR & Value
LVR shows your loan versus property value for refinancing.
Credit file and recent changes
Reviewing your credit for better refinancing options.
Mistakes we help you sidestep
Most people stumble before they start.
Refinancing for a minor rate drop
Small rate drops may not justify refinancing.
Ignoring fees and timeframes
consider fees and time, not just rates.
Ignoring issues during the switch
Ignoring structural issues before refinancing can cause bigger problems later.
Breaking a fixed loan blindly
Check fees before breaking a fixed loan to avoid extra costs.
Choosing cashback over long term advantage
Cashback is tempting, but long-term savings matter most.
Get your documents ready
Gather what we need before we start. The more organized you are, the faster we move.
Current loan statements
Share your loan statements for a quick review.
Income evidence
Provide income proof for faster refinancing.
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ID documents
Provide valid ID documents to verify your identity for refinancing.
Bank statements
Bank statements verify your income and finances.
FAQs
Common questions about refinancing your home loan and what to expect
Savings depend on your current rate, the new rate, fees, and how long you stay in the loan. We calculate your specific numbers. Some borrowers save thousands annually, others find the benefit is better loan structure or features rather than pure rate savings.
Fixed loans have break costs, but refinancing can still make sense if the savings are large enough and you plan to stay long term. We check the break cost against your potential savings and show you the real payoff timeline.
Most refinances take four to eight weeks from application to settlement. The timeline depends on how quickly you provide documents, how busy the lender is, and whether any issues come up with your application or property.
Yes. If you've paid down your mortgage and your property has increased in value, you can refinance for more than you owe and access that equity. We structure it so you get the cash you need while keeping your loan manageable.
A hard inquiry and new loan application will cause a small temporary dip in your credit score. The impact is usually minor and recovers within a few months as you make on-time payments on your new loan.
Still have questions?
Reach out and we'll walk you through your specific situation
Ready to improve your position?
Find out if refinancing will actually move the needle for your loan and your goals
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