Refinance Made Easy
Review your loan when life or rates change.
If your home loan no longer fits — rate, fees, or features — we can review options from our panel and coordinate the refinance process. We work to find a suitable loan for your situation, not a one-size-fits-all promise.
Why people refinance
Refinancing simply means replacing your current home loan with a new one — sometimes with your existing lender, sometimes with another on our panel. People do it for all sorts of reasons: a rate that no longer feels competitive, fees that add up, missing features like an offset account, or a change in life such as consolidating debt, funding a renovation, or freeing up equity.
The goal is to put you in a loan that suits where you are now, not where you were when you first borrowed.
What to weigh before you switch
A lower rate isn't the whole story. Before refinancing, it's worth looking at the full picture:
- The interest rate, and how it compares to what you're on now
- Ongoing and upfront fees — application, valuation, and any account-keeping costs
- Loan features you actually use, like offset, redraw, or extra repayments
- Exit or break costs on your current loan, especially if you're on a fixed rate
- How long you plan to keep the loan — switching costs need time to pay off
How the process works
We start with a quick review of your current loan and what you'd like to change. If switching stacks up, we compare options across our panel, prepare the application, and coordinate the discharge of your old loan and settlement of the new one.
We work to find a loan that suits your situation — not a guarantee of savings, and not every lender in the market. You'll understand the trade-offs before anything is locked in.
Common questions
Why would I refinance?
Common reasons include a more competitive rate, lower fees, features you actually use like an offset account, consolidating debt, or accessing equity for a renovation or another goal. We'll help you weigh whether switching genuinely improves your position before you commit.
Are there costs to refinance?
There can be. Depending on your current loan, you might face discharge fees, a new application or valuation fee, and break costs if you're on a fixed rate. We factor these in up front so you can see whether the switch is worth it before committing.
How long does refinancing take?
It varies by lender and how quickly documents come together, but it commonly takes a few weeks from application to settlement. We coordinate the discharge of your old loan and the settlement of the new one to keep things moving.
Will refinancing affect my credit?
Applying for a new loan usually involves a credit check, which can be recorded on your file. That's normal, but making many applications in a short space of time can have an effect — which is part of why we compare options first and apply where you're well-placed, rather than scattering applications.
Run your numbers first
Indicative borrowing and repayment tools — not an offer. Useful before a proper assessment with a broker.
Know your number before you house-hunt
A free 15-minute borrowing check with Nathan Chow. No paperwork to start.