Refinancing
Could you be paying less?
Refinancing could save you thousands - or help you access equity in your home. We'll compare your current loan against 70+ lenders to find out if there's a better deal.
Average savings
$3,000+
per year on a 0.5% rate reduction ($600K loan)
Many borrowers are paying more than they need to. A quick comparison could reveal significant savings.
Why Refinance
Reasons to consider refinancing
Lower your rate
Even a small rate reduction can save thousands over the life of your loan. We compare your current loan against 70+ lenders.
Access equity
If your property value has increased, you may be able to access equity for renovations, investments, or other purposes.
Consolidate debt
Roll high-interest debts like credit cards into your home loan at a much lower rate. Just be mindful of the longer term.
Better features
Switch to a loan with better features like an offset account, redraw facility, or more flexible repayment options.
Self-Assessment
Signs it might be time to refinance
If any of these apply to you, it's worth getting a free comparison to see if you could be paying less.
Get free comparisonThe Process
How refinancing works
Most refinances complete within 2-4 weeks. We handle the heavy lifting so you can focus on your day.
Free comparison
We compare your current loan against products from 70+ lenders to identify potential savings.
Cost-benefit analysis
We calculate all costs involved and show you the break-even point to ensure refinancing makes sense.
Application
If it's worth it, we prepare and submit your application, handling all lender communication.
Settlement
The new lender pays out your old loan. We coordinate everything to ensure a smooth transition.
Costs
What does refinancing cost?
There are some costs involved in refinancing. We'll calculate these for you and show you the break-even point to ensure it's worth it.
- Discharge fee (old lender)$150 - $400
- Application fee (new lender)Often waived
- Valuation feeOften waived
- Settlement fee$200 - $500
Important
Fixed rate break costs
If you're currently on a fixed rate, break costs can be significant - sometimes tens of thousands of dollars. We'll always check this before recommending refinancing and factor it into our analysis.
Is it time to refinance?
Get a free comparison and see how much you could save
No obligation, no cost. We'll show you the numbers so you can decide.