How does it work?
Refinance
Any information on this website is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances before making any decisions. We recommend obtaining independent legal, financial, and tax advice where necessary.
the specifics
Step 1
We chat about your goals — lower rate, consolidating debt, releasing equity, or switching features.
First Chat
Step 2
You’ll likely need:
ID: Licence or passport, Medicare
Current loan statements (usually last 3–6 months)
Income: Payslips or tax returns
Liabilities: Credit cards, personal loans, HECS/HELP
If you’re releasing equity, we’ll also map out how those funds will be used.
Document Collection
Step 3
We compare lenders, factoring in discharge fees, new rates, and features that save you money long-term.
Loan Options
Step 4
Application Lodgement
We lodge the refinance application and liaise with your current lender to line up discharge.
Step 5
Lender reviews your position, and a valuation is usually ordered on your property. Once that’s complete, formal approval follows.
Lender Assessment
Step 6
Old loan is discharged, new loan takes effect.
We keep everything on track so repayments roll over smoothly.
Settlement
Step 7
Ongoing
We monitor your loan and check in regularly — making sure you keep ahead of the banks over the long run.
Beyond Settlement
FAQ - Refinancing
- How do I know if refinancing will actually save me money?
We’ll compare your current rate, fees, and loan setup against today’s market options. If a new lender can save you interest, reduce fees, or offer better flexibility, I’ll show you exactly how much — before you make the switch. Sometimes it’s less about the rate and more about ‘does it fit.’
- Are there any costs to refinance my home loan?
There can be small discharge or registration fees from your current lender, and possibly new application or valuation fees with the next one.I’ll outline all costs and savings clearly before you decide, so you know the real value of refinancing.
- How often should I review my loan?
Every 12–24 months is ideal. Interest rates, product features, and even your own goals can change quickly — a simple loan review helps make sure you’re still getting good value. Once you’re with us, we’ll check in with your lender and can request a rate review if it looks like your loan might be due for one. While rate discounts aren’t guaranteed, many lenders will consider them for good, long-term clients — and we’ll guide you through that process.
- Can I refinance to access equity for renovations or debt consolidation?
Yes — many people refinance to access the equity they’ve built up in their home for a specific purpose.
This is sometimes called a ‘cash-out refinance’, where you release part of your home’s value for things like renovations, upgrades, or to consolidate smaller debts into one manageable repayment. It’s important that this is done safely and for a clear, responsible reason — I’ll help you review the options and structure it properly so it fits your goals and budget..
- What if my situation has changed since I first got my loan?
No problem. Whether your income has changed, you’ve gone self-employed, or you’re planning to buy again, there are flexible refinance options to suit. We’ll find what works best for where you’re at now.