Home loan refinancing
Compare 35+ lenders, cut your rate, add an offset, consolidate debt, or release equity. Your Sydney refinance mortgage broker at $0 cost.
Refinancing swaps your current mortgage for a better one. We compare 35+ lenders, find a sharper rate or better features, and handle the switch. Most settle in 2 to 4 weeks, and our service costs you $0.
Here is the catch. Lenders save their best rates for new customers, so your rate quietly drifts above the market even with a perfect record. It is called the loyalty tax, and a review resets you.
A refinance can also consolidate debt, release equity for a renovation, or add an offset account.
A small cut to your rate adds up to serious money over the life of your loan. Here is the total interest you could save over a full 30-year term at different loan sizes and rate cuts.
| Loan size | 0.25% lower | 0.50% lower | 0.75% lower |
|---|---|---|---|
| $400,000 | $23,000 | $46,000 | $68,000 |
| $500,000 | $29,000 | $57,000 | $85,000 |
| $600,000 | $35,000 | $69,000 | $102,000 |
| $750,000 | $43,000 | $86,000 | $128,000 |
| $1,000,000 | $58,000 | $114,000 | $170,000 |
| $1,250,000 | $72,000 | $143,000 | $213,000 |
| $1,500,000 | $86,000 | $172,000 | $256,000 |
Total interest saved over a 30-year term, estimates only, based on a starting rate of 6.00% with both loans on minimum repayments. Your actual saving depends on your rate, balance, term, and repayments. Use our mortgage repayment calculator for your numbers, or book a free health check.
Worth a look if any of these apply:
Lenders test you above your rate, which leaves some borrowers stuck. Some lenders apply a lower buffer on a straightforward switch. We know which, and we can often get you moving.
Only above 80% of your home value. If your home has grown, your LVR may already sit under that. We check first and target lenders and valuations that keep you clear of it.
Every homeowner's situation is different. These are the most common reasons our clients refinance.
Real switches, and what we did for them.
Our founder spent 8+ years inside a major bank. He knows what gets a yes, and a low rate.
Real answers to the questions homeowners ask us every day.
We compare 35+ lenders, push your current bank, handle the paperwork, and settle your refinance fast. $0 cost.
MFAA member. 10+ years lending experience.
Explore the guides and services homeowners use most.
Helping homeowners refinance across 220+ suburbs and Australia wide. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.
