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Is your home loan still right for you?

We review your current loan against suitable options from our lender panel. We explain the costs and benefits before you decide whether to switch.

Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.

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Refinancing

A clearer view of your options.

Rates, fees and your circumstances can change. A loan review can help you assess whether your current loan still suits you. Switching does not always result in savings.

We look at your current rate, fees and loan structure, then compare what our lender panel would offer you today. Sometimes the best move is switching; sometimes it's asking your current lender to sharpen their rate, and we can do that negotiation for you. If the numbers don't stack up, we'll tell you straight.

Refinancing can also be the right tool for consolidating debts, unlocking equity for renovations or investment, or restructuring your loan with features like an offset account. We'll model the options so you can see exactly what each path costs and saves.

Not sure if switching is worth it for you? Start with a complimentary loan health check, and I will tell you plainly where your current loan stands.

Why it works

Support through your loan review

Complimentary Loan Review

We start by checking what you're on now versus what the market would offer you today. We do not charge broker fees. Lender and third-party fees may apply. We disclose the commission paid by the lender.

Lender Panel Comparison

We compare rates, fees, and switching costs across our lender panel, including any break costs. A lower rate does not always mean a lower total cost.

We Handle the Switch

Discharge forms, the new application, the settlement booking, we manage the entire process with both lenders so you don't have to chase anyone.

Run the numbers

Refinance savings calculator

See what a lower rate could save you each month, and over the life of your loan.

Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.

Monthly difference before switching costs
$270 /mo
Current repayment
$3,696 /mo
New repayment
$3,427 /mo
Difference over remaining term before costs
$80,864

Estimates only. Assumes principal-and-interest repayments over the same remaining term, and excludes switching costs such as discharge fees, application fees, and any fixed-rate break costs, we'll quantify those for your actual loan. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.

Common questions

Refinancing FAQs

How much does it cost to refinance?
Typical costs include a discharge fee from your current lender (often a few hundred dollars), government registration fees, and sometimes an application or valuation fee with the new lender, though many lenders waive these or offer cashback. If you're on a fixed rate, break costs can apply. We always net these against the savings before recommending a switch.
Is it worth refinancing for a small rate difference?
It depends on your balance, remaining term, fees and any break costs. We compare the total costs before recommending a switch. A lower rate alone does not establish that refinancing is worthwhile.
Will refinancing hurt my credit score?
A refinance application creates a credit enquiry, like any loan application. One enquiry has a minor effect; repeated applications in a short period are what lenders see as a red flag. Going through a broker reduces that risk because we match you to a lender whose policy you fit before anything is lodged.
Can I refinance to consolidate my debts?
Consolidation may lower monthly repayments but can increase total interest if debts are repaid over a longer term. Debts moved into your home loan become secured against your home. We assess the costs, risks and suitability before recommending a change.
How long does refinancing take?
Generally two to six weeks end-to-end, depending on the lenders involved. Some lenders offer fast-track digital refinances that can settle in days. We'll tell you realistic timeframes up front based on current lender turnarounds.

Wondering what you could save?

Send us your current rate and balance, we'll come back with a complimentary, no-obligation comparison.

Get StartedCall 0426 299 702
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Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy policy. Daniel Toukan, Credit Representative Number 577748, is authorised under Australian Credit Licence 384324 held by Outsource Financial Pty Ltd.

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