Refinancing your home loan can help you save money and reduce your repayments. We can help you find the right loan for your needs.
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Should you refinance?
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Changes in life, such as shifts in interest rates, financial circumstances, or personal goals, may signal the need to reassess your home loan. Refinancing offers an opportunity to reduce costs, shorten your mortgage term, or secure a more favorable deal. You don’t have to navigate the process alone—by working with a broker who prioritizes your needs and handles the details, refinancing becomes simpler and more manageable.
We’ll break down the details, working with more than 60 banks and lenders to help find the loan that fits your needs.
What are the advantages is of refinancing your loan?
Lower your interest rate
Interest rates can fluctuate over time. Is your current rate still competitive? If you have a variable loan or a fixed-rate loan that is nearing expiration, you might have the opportunity to negotiate a better deal or switch to a lender offering a lower rate.
More features, more options
Home loans aren’t all the same—each comes with different features and benefits. Moving to a loan that allows extra repayments, offers an offset account, or has redraw options could help you save in the long run. On the other hand, if you’re not using these features, simplifying your loan to a basic option could reduce your fees.
Combine your debts
If you have multiple debts—like personal loans, car loans, or credit cards—you could consolidate them into your home loan. This approach simplifies your payments into one and may lower your overall interest costs. Evaluating factors such as fees and repayments helps determine if this option fits your financial situation.
Unlock funds for your projects
If you’re planning a home renovation, car upgrade, or any other project, refinancing could give you access to additional funds. By using the equity you’ve built in your property, you might be able to secure financing to support your plans.
The loan process.
- Initial Consultation
Connect with us to outline your refinancing objectives.
Begin by answering a few short questions about your current loan and financial goals. We’ll then arrange a consultation—online or in person—to discuss refinancing opportunities and assess potential benefits.
- Loan Assessment
We’ll evaluate your existing loan and explore better alternatives.
Our team will assess your current mortgage terms, repayment structure, and financial profile. We’ll then compare multiple lenders to identify options that reduce your interest rate or improve your repayment flexibility.
- Application Submission
We’ll prepare and submit your refinancing application.
Once a suitable lender is selected, we’ll compile and lodge all necessary documentation on your behalf. We ensure all paperwork is completed accurately and submitted promptly for pre-approval.
- Approval & Discharge
We coordinate loan approval and old loan discharge.
Following pre-approval, we manage communications with your new and existing lenders to finalise approval and arrange discharge of your current loan. We ensure all processes are aligned for a seamless transition.
- Settlement Day
Your new loan is activated—no action required from you.
On settlement day, your new lender pays out the old loan and activates your refinanced mortgage. We’ll notify you once funds are disbursed and all documents are finalised.
- Post-Settlement Support
We continue to provide guidance beyond the refinance.
Our support doesn’t end at settlement. We’re available to assist with rate reviews, loan adjustments, and any future refinancing or investment goals.
Rated 5 out of 5 stars by our customers!
Our customers love the experience with us.
Here’s what they have to say.
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Exceptional Service! Abbas provided outstanding support throughout the mortgage process. He was knowledgeable, professional, and patient, simplifying complex terms and finding the fit rates. Always responsive and quick to answer questions, Abbas ensured everything went smoothly. Highly recommend him as a reliable mortgage broker!
3 months ago
Highly recommend Priyank! From the start, he made us feel confident and supported through the home-buying process. He understood our needs, was always available for questions, and used his market expertise to help us find our perfect home with a great interest rate. His guidance made everything smooth and stress-free. Grateful for his help!
3 months ago
Abbas has been absolutely fantastic. I have known him since 2018, and the information he provides is transparent and informative, which allows me to make better decisions according to my circumstances. He is the best mortgage broker in Melbourne. Thank you for your help and support.
4 months ago
I have worked with both Abbas and Priyank. Most recently with Abbas. They both have delivered high levels of professionalism and customer satisfaction. Highly knowledgeable in the field and will work with you to ensure you get the best deal. I most defiantly recommend this service to anyone who’s looking for a trustworthy broker
6 months ago
Amazing and smooth experience with Priyank. Excellent knowledge about the market and really amazing outreach to get you in touch with the right people to get the job done. Really great communication, kept us in the loop through the entire process. Highly recommend him.
7 months ago
Abbas's expertise and dedication were evident from the start, as he guided me through the entire process with ease and professionalism. Attention to detail and proactive approach ensured a swift and smooth approval, far exceeding my expectations. I highly recommend Abbas to anyone seeking efficient and reliable assistance with their financial needs.
4 months ago
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Turn your ideas into the future.
Contact us today to help you secure financing for your personal or business.