MFAA Member · ACL 389328
Refinance Home Loan — Still on the
same rate?
Refinancing comes down to one thing for most people: a better rate. We go to the lenders directly and negotiate, which is how we reach pricing below the rates they advertise. Whether you are already with us or coming across, the job is the same — find you a sharper deal on the loan you already have.
Are you on the right rate?
Check your variable home loan against today's top 10 lenders.
Should you fix your rate?
Run the numbers on fix vs float for your remaining loan term.
We negotiate directly with lenders.
We deal with lender pricing teams every day, which is how we reach pricing below the rates they advertise. You bring the loan you have now.
Live rates from across the market.
We check your current rate against what lenders are actually offering right now, not the rates they advertise.
Break-cost analysis on fixed loans.
Locked in a fixed term? Break costs aren't always a deal-breaker. We calculate the cost against the saving and tell you when it's worth moving, and when it isn't.
From first call to settlement
Easier than you'd think.
Send your loan details
Lender, balance, current rate, fixed-or-variable, fixed-term end date if applicable.
15-minute review call
We compare live rate options, break-costs if you are in a fixed term, and any structure changes worth making.
Decision
You decide whether to refinance. We can also negotiate retention rate with your current lender if that's the better play.
Through to settlement
If refinancing, we submit, manage discharge, and coordinate settlement. Typically 4-6 weeks end-to-end.
Refinance library
Browse refinance guides
Browse our 14refinance guides, grouped by topic and written in plain English. The full searchable library lives in The Lab.
Should you refinance?
7 guidesHow to tell if switching pays off, and what a rate review involves.
The switching process
7 guidesServiceability, LVR and the mechanics of moving lenders.
Frequently asked questions.
How long does refinancing take?
Typically 4-6 weeks from application to settlement. Discharge from your current lender is the slowest step (1-2 weeks). Valuation 5-10 business days. Settlement 1-2 weeks after that.
What are refinance break costs?
If you're inside a fixed-rate term, breaking it triggers break costs — the lender's calculation of how much they lose by you exiting early. Costs depend on the time remaining on the fixed term, the rate gap between your fixed rate and current swap rates, and your loan balance. Can range from a few hundred dollars to many thousands. We calculate this before recommending refinance from a fixed loan.
Will refinancing hurt my credit score?
A refinance application creates one credit enquiry on your file — minor and short-term impact. Multiple refinance applications across the same period (e.g. shopping with multiple brokers) can have a bigger combined impact. We submit one application to one lender once we've finalised which lender wins.
Can I refinance to consolidate other debts?
Yes. Credit-card interest is typically 18-22% against home-loan rates around 5-7%, so folding higher-interest debt into your home loan can reduce your minimum repayments. The trade-off: you are spreading that debt over a longer term (often 25-30 years), so total interest can still be high. We model the lifetime cost so you can see both sides before deciding.
Should I refinance or just call my current bank?
Always do both. Your current bank may retention-match the rate we surface — which is a win without changing lenders. But banks only retention-match if they know you have a competing offer. We can negotiate on your behalf with your current lender first, then refinance only if they won't move.
Prefer to talk?
Call us
directly.
Mon–Fri 9am–5pm. Real broker, real conversation, no call-centre.
08 8121 3076Or start online
Send your
profile.
2 minutes. We'll review and call you within 1 business day.