Refinancing
Refinancing Solutions
Is Your Home Loan Still Working as Hard as It Should Be?
Your home loan was the right choice when you took it out, but your financial circumstances, goals, and the lending environment change over time. If it's been a few years since you last reviewed your loan, there's a good chance a better option exists. Refinancing gives you the opportunity to secure a more competitive rate, access features your current loan may not offer, tap into equity you've built up, or simply restructure your debt in a way that better suits where you're headed. Our refinancing solution supports refinancing and debt consolidation for both PAYG customers and self-employed borrowers, and access to offset and redraw facilities. We'll review your current situation honestly and only recommend a switch when it genuinely makes sense for your individual circumstances.
Our Refinancing Solutions
Whether you're looking to reduce your repayments, consolidate debt, access equity, or simply get a better deal on your existing loan, our refinancing solutions are designed to find the right outcome for your individual circumstances.
Refinancing for a Better Rate
One of the most common reasons Australians refinance is to secure a more competitive interest rate on their home loan. Even a small reduction in your rate can…
Debt Consolidation
If you're managing multiple debts, such as personal loans, car loans, or credit card balances alongside your home loan, rolling them into a single facility…
Accessing Your Equity
If your property has increased in value since you purchased it, you may have built up equity that can be accessed through a refinance. This equity can be used…
Refinancing Your Investment Loan
Investment loans require a different approach to refinancing than owner-occupied home loans; the assessment criteria, tax implications, and structuring…
Frequently Asked Questions
Refinancing may be worth considering if your current loan has an uncompetitive interest rate, lacks features that would benefit your situation (such as an offset account or redraw facility), or if your financial circumstances have changed and a different loan structure would serve you better. However, refinancing also involves costs, including discharge fees on your current loan, application and settlement fees on your new loan, and potentially break costs if you're on a fixed rate. We'll conduct a full cost-benefit analysis and give you an honest assessment of whether refinancing will deliver a genuine net benefit for your situation.