Start the Journey to Refinancing.

Refinancers can enjoy cashbacks, low rates, low fees and save money. Explore our low-rate home loans and helpful guides for each stage of your refinancing journey.

Speak to an expert broker
Starting with

1.79

%
Interest rate per annum
With up to

4,000

$
Cashback
Fees

0

$
No Application Fees, Monthly Fees or Annual Package Fees
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Chartered Accountants.

We are qualified Chartered Accountants – professional service is guaranteed.

State of art technology.

With our software’s you wouldn’t have to move a finger.

Empowering clients.

We will be your guide, we will educate and empower you to take the right decisions.

Putting you first.

We work for you and not the banks to find you the right bank and right loan.

Choice of lenders.

With 40+ lenders on our panel, clients will be provided with a wide array of choices.

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Our brokers are registered with FBAA which is Australia’s premier finance broking associations.

Quick Answers.

Why refinance?

There are many reasons that homeowners may choose to refinance. Some of these include: a) Saving on interest rates b) Cash out on equity c) Restructuring d) Bundling e) Consolidating debts

With refinancing, you replace your current mortgage with a new loan — that means a new interest rate, new payment and new terms, all in your favour. If you just want some money and want to use your home’s equity to borrow against, you have come to the right place! We are the experts in providing right refinancing solutions be providing with the great cashback offers, competitive interest rates or fixed rates and 100% Offset products.

Refinancing costs

Compare the fees and charges below to see if any of these will be applicable when you refinance your loans. Speak to one our expert broker and save money by choosing the right loan and right bank to save refinancing costs.

Fixed rate loan

     
  • If you are on a fixed rate loan, you may need to pay a break fee.
  •  

Discharge (or termination) fee

     
  • A fee when you close your current loan.
  •  

Application fee

     
  • Upfront fee when you apply for a new loan.
  •  

Switching fee

     
  • A fee for refinancing internally (staying with your current lender but switching to a different loan).
  •  

Stamp duty

     
  • You may be liable for stamp duty when you refinance. Check with your lender
  •  

Settlement fees

     
  • Settlement fees are paid to a new lender to settle the new loan
  •  

Valuation fees

     
  • Depending on the lender through which you are refinancing, there may be valuation fees charged by lender.
  •  

Refinancing checklist

Paperwork – personal information ID, payslips or group certificates, current home loan statements, record of living expenses, debts liabilities, record of assets and rates notice. These documents will be the starting point and depending on the scenario and lender requirements we will guide you each step of the way.

Cost vs benefit of refinancing – have your considered pros and cons, what type of loan are you willing to go for, would you stay with the lender given better rate, potential costs of refinancing

Reasons for refinancing – Access equity, buying car, renovations, holiday trip, improve flexibility and features, get lower rate, buy another property

Accessing equity by refinancing

Ask any property investment guru and they’ll tell you that the equity held in your property portfolio can be a powerful tool for wealth creation. Used properly, this equity can secure the finance needed to achieve your property investment goals.

Put simply, if your property’s increased in value, the amount of equity held in that property will have gone up too. You can then refinance your mortgage to access that increased equity, which can then be used to stump up the deposit on another property purchase.

Calculating equity

To work out how much equity you have in your property, you’ll need to subtract any debt remaining on your mortgage from the property’s overall value. So, if your property’s worth $500,000, and you have $300,000 left on your mortgage, then your equity is $200,000.

But it’s not quite that simple when it comes to accessing that equity through your lender. They’ll send a valuer out to your property, and the figure they come up with may not match up to what you think its actual market value is.

Your property’s equity will increase both as you pay off your mortgage and as the property’s value increases. So, if your $500,000 property increases in value by 10% over 12 months that’s an extra $50,000 in equity. Add to this any deduction to the mortgage gained through repayments, and your equity has significantly increased over the year

Find out the numbers.

Use our financial calculator to test your assumptions. Play with the numbers. Get your financials. Are you ready? Speak to one of our agents.

Book a time.

Either you have any doubt, or you want to get your next loan with us, book a time for a call. Our promise to you:

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Keep your knowledge up o date with our knowledge resources.

DEALS MORTGAGE ESSENTIALS

A Guide To Waived Lenders Mortgage Insurance

Lenders Mortgage Insurance (LMI) is a mandatory insurance policy for mortgages above 80%. If your down payment is less than 20% of the mortgage, you will have to pay for it. But LMI can be waived, or simply not taken. Find out how.

Learn More

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First Time Buyer Guide

Start your adventure. Expert tips and guides to help you prepare as you set off on the path towards your first home.

Learn More

Listen to our video guides

Because loans should speak the same language than you.

Speak to an expert broker

1. Cost of Refinance

2. Mortgage refinance

3. Fixed vs. Variable

4. Offset vs. redraw

5. Interest in Advance

6. Settlement Day

Need guidance or help?

Start web chat or book an appointment to start your mortgage application. See the list of documents or information you’ll need to provide.