Service
Refinancing — a free review of what you'd actually save
If your loan is more than two years old, you may be paying a loyalty premium. We benchmark your current rate and features against the market, factor in break costs and cashback offers, and manage the switch end to end.
What you get
A smarter path to your refinancing
- Compare suitable lenders. We assess rates, fees, policy and features across a wide lender panel.
- Structure around your goals. Your recommendation considers cashflow, flexibility and the next financial move.
- Director-led from start to finish. Eric applies 26+ years of banking and finance experience to every application.
Refinancing — common questions
- Is it worth refinancing my home loan?
- It's worth reviewing whenever your rate, features or goals have changed. We quantify the savings net of switching costs so the decision is based on numbers, not a headline rate.
- How long does refinancing take?
- Most refinances settle within 3–6 weeks depending on the lender and how quickly the outgoing lender releases the discharge.
- Can I refinance and access equity at the same time?
- Yes. Refinancing is a common time to release equity for renovations, an investment purchase or debt consolidation, subject to lender policy and servicing.
Not sure which loan fits? Compare our best finance options guide or run the numbers with our finance calculators.