Stop overpaying on your home loan. We compare 60+ lenders to find you a better rate, lower repayments, or unlock equity — with expert guidance from former senior commercial bankers every step of the way.
Whether you want a lower rate, need to access equity, or want to consolidate debt — refinancing could save you thousands.
Lenders reserve their best rates for new customers. If you haven't reviewed your rate recently, you could be paying thousands more than you need to.
Unlock the wealth sitting in your property. Use equity for renovations, investments, a new car, or other major purchases.
Roll credit cards, personal loans, and car loans into your mortgage at a much lower interest rate. One repayment, less stress.
Your current loan might be missing features that could save you money — like offset accounts, redraw, or flexible repayments.
If your property has gained enough equity, refinancing can release your guarantor from the loan — giving everyone peace of mind.
Here's what savings look like on a typical $600,000 home loan with a 0.50% rate reduction.
Even a small rate reduction translates to real money back in your pocket every single month — money you can redirect towards savings, lifestyle, or paying your loan off faster.
Over 12 months, those monthly savings add up to a meaningful amount — enough for a holiday, an emergency fund top-up, or extra mortgage repayments.
Over five years, compounding savings become substantial. If you redirect savings into extra repayments, you'll also reduce your loan term significantly.
Over the remaining life of your loan, the total interest saved can be eye-opening — and that's before factoring in the benefit of any extra repayments.
We make refinancing simple, transparent, and genuinely in your best interest.
We search across major banks, challengers, and specialist lenders to find your best deal — not just one bank's offer.
Our service is free. We're paid by the lender, so there's no cost to you for expert advice and a better deal.
We handle everything — from application to settlement — so you don't have to. Our team coordinates with both lenders to keep things moving.
We don't just set and forget. We monitor your rate and proactively reach out when better deals become available.
Not sure if refinancing makes sense for you? Here are the most common triggers that signal it's time for a review.
We handle the heavy lifting so you can focus on what matters.
Send us your current loan details and we'll quickly assess whether refinancing makes financial sense for your situation.
We compare 60+ lenders across rates, features, cashback offers, and fees to find the best option for your goals.
We prepare and submit your application, manage the valuation process, and chase the lender so you don't have to.
Your new lender pays out the old one, your new loan begins, and you start saving from day one. We coordinate the entire settlement.
Answers to the questions we get asked most often about refinancing.
Savings depend on your current rate, loan balance, and the new rate available. On a $600,000 loan, even a 0.50% rate reduction could save over $180 per month or $65,000+ over the life of a 30-year loan.
Common costs include discharge fees from your current lender ($150–$400), government registration fees ($200–$400), and potentially valuation fees. Many new lenders waive application and settlement fees, and cashback offers can offset switching costs. For a full breakdown, read our guide on refinancing your home loan: when to switch, how to save, and what to watch out for.
A refinance application will appear as a credit enquiry, which may temporarily impact your score by a small amount. However, consistent repayments on your new loan will support your credit profile. We recommend minimising multiple applications by targeting the right lender first.
Yes. Self-employed borrowers can refinance with most lenders using two years of tax returns and financials. Some lenders also offer low-doc options using BAS statements or accountant declarations for borrowers with less than two years of records.
Timeframes vary depending on the lender and complexity of your loan. We handle the entire process including liaising with your current and new lender to keep things on track.
It depends on your priorities. Variable rates offer flexibility with extra repayments and redraw, while fixed rates provide payment certainty. Many borrowers split their loan between fixed and variable to get the best of both. We'll help you decide based on your circumstances and rate outlook. Learn more in our guide to fixed vs variable rate home loans.
Book a free refinance review to find out if you could save. No obligation, no broker fees — just honest advice from someone who knows how banks work from the inside.
