Still on Your Old Rate? You Could Be Paying Too Much.
We'll pressure-test your current loan and show you exactly what switching could save you.
Why Refinance?
Lower Rate & Payments
Switching to a lower rate reduces your monthly commitments and leaves more cash in your wallet.
Unlock Equity
Access cash value in your property to fund structural home renovations, property investing, or other personal goals.
Consolidate Debt
Merge higher-interest credit card or car loans into your home loan for a single, manageable payment rate.
Change Structure
Add features like offset accounts, split structures, or transition between fixed and variable options.
Our Refinance Process
A quick review will tell us if your savings outweigh the exit/switch fees. We will always tell you if staying put is the smarter move.
Share Current Details
Provide your current mortgage statements and interest structures.
Benchmarking Options
We compare your current deal against products from 70+ lenders side-by-side.
Compare Real Numbers
We present side-by-side savings analysis detailing exact switching costs and recovery timelines.
Complete the Switch
We coordinate with both old and new banks to manage discharge paperwork through to settlement.
Refinancing FAQs
Refinancing requires a credit check which creates an enquiry footprint. This may result in a small, temporary dip in your score. However, moving to a cheaper, more affordable structure generally improves your score in the long run.
Common switching costs include a discharge fee from your existing bank ($300-$400), registration fees, and setup fees for the new loan. We perform a complete cost-benefit assessment to make sure your net savings outweigh these costs.
Typically the entire refinancing switch process takes between 2 to 4 weeks from application submission through bank discharge to settlement.
Yes. If your property value has increased, we can refinance your mortgage to release that equity into an offset account to act as a deposit for an investment purchase.
Find out what you could save
We compare rates against 70+ lenders to pressure test your current loan rate.
Book a Free Consultation