Refinancing — Sydney

Stop Overpaying.
Start Saving.

If you haven't reviewed your home loan in the last 12 months, you're probably paying too much. We compare 50+ lenders to find you a better rate — and handle the entire switch for you.

✓ Rate Review — Free✓ Cashback Refinances✓ Equity Access✓ No Broker Fees

📅 Book Free Consultation 📞 02 8046 3933

What We Do

How we help with refinancing

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Save on Repayments

Even 0.50% off your rate saves $3,000/year on a $600K loan. Over a 25-year loan that's $75,000+ in interest. We find you the sharpest rate your profile can get.

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Access Your Equity

If your property has increased in value, refinancing lets you unlock that equity for renovations, investments, or other goals — without selling.

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Debt Consolidation

Rolling high-interest personal loans or credit card debt into your home loan can dramatically reduce your monthly cashflow pressure. We structure it correctly.

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Cashback Offers

Some lenders offer $2,000–$4,000 cashback for refinancing. We identify which offers are genuinely worth taking vs. which come with strings attached.

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Better Features

An offset account on a $700K loan with $50K in savings saves ~$3,000/year in interest. If your current loan doesn't have one, you're leaving money on the table.

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We Handle Everything

We manage the entire refinancing process — paperwork, discharge of old loan, new loan setup, and settlement. You sign; we do the rest.

How It Works

Our process

Rate Review

We compare your current loan against 50+ lenders. If you can save — we'll show you the numbers clearly.

Lender Match

We select the best refinance option for your situation — rate, features, cashback, and future flexibility.

Application

We handle all paperwork, liaise with your current and new lender, and manage the discharge process.

Settlement

Your old loan is discharged. New loan settles. You start saving from day one.

FAQ

Questions answered

How do I know if I should refinance?

If your current rate hasn't been reviewed in 12+ months, or if you're on a rate above 6%, there's a strong chance you can do better. We offer a free rate review — we'll compare your current loan against the market and tell you honestly whether switching makes financial sense after accounting for switching costs.

What does refinancing cost?

There are typically some costs involved: discharge fees from your current lender ($150–$400), application fees from the new lender (often waived), and government fees for mortgage transfer (~$300–$400 in NSW). Some lenders offer cashback offers ($2,000–$4,000) that more than cover these costs. We'll model the full break-even calculation for you.

How long does refinancing take?

From application to settlement typically takes 2–4 weeks. We manage the process actively to minimise delays. Some lenders offer faster turnaround — we'll factor this into the recommendation if timing matters to you.

Will refinancing hurt my credit score?

Every loan application results in a credit inquiry, which has a minor temporary impact on your credit score. We only lodge one application — we don't shotgun applications across multiple lenders, which would have a more significant impact. A refinance that saves you thousands is well worth the minor, temporary credit impact.

Can I refinance if I'm self-employed?

Yes. Self-employed refinancing requires the same documentation as a new application — two years of tax returns (full-doc) or BAS statements/accountant letter (low-doc). We specialise in self-employed lending and know exactly which lenders assess self-employed income most fairly.

Stop Overpaying.Start Saving.