Lower your rate.
Access your equity.
Refinancing could save you thousands, unlock home equity for renovations or investments, and consolidate debt – all with a simple switch.
Average annual saving for refinancing clients
Potential rate reduction compared to standard variable rates
of homeowners could benefit from refinancing
Lower interest rate
Reduce your monthly repayments and total interest over the life of the loan.
Access home equity
Use built‑up equity for renovations, a new car, or an investment deposit.
Debt consolidation
Roll credit cards and personal loans into your mortgage at a lower rate.
Better features
Switch to an offset account, redraw facility, or split loan structure.
Health check
We review your current loan, rate, and features – no obligation.
Compare options
We scan 40+ lenders to find a better rate and suitable features.
Application & approval
We handle paperwork, valuations, and lender negotiations.
Settlement
Your new lender pays out the old loan – you keep the same property.
| Cost type | Typical amount | Can be waived? |
|---|---|---|
| Discharge fee (existing lender) | $200 – $400 | Sometimes negotiable |
| Registration of mortgage (new lender) | $100 – $200 | No |
| Lenders Mortgage Insurance (if LVR >80%) | Varies | Only if LVR stays under 80% |
| Break costs (fixed rate loan) | Could be thousands | Usually not |
| Valuation fee | $0 – $300 | Many lenders offer free valuations |
Fixed rate ending soon
When your fixed term ends, you'll revert to a higher variable rate – a great time to switch.
Property value has increased
More equity means better rates and access to cash out.
High‑interest debts
Consolidating credit cards (15‑20% interest) into your mortgage (~6%) saves big.