Refinance to a loan that actually pays off.
Rates change. Lenders change. Your life changes. We will review your current loan across a wide lender panel and tell you — in dollars — whether switching is worth it. Sometimes the answer is no, and we will say so.
A rate review across our full lender panel — see your potential savings in dollars
Debt consolidation — fold credit cards, car loans and personal loans into one manageable repayment
Equity release for renovations,investment deposits or major life events
Switch lenders without re-doing all the paperwork — we package and submit for you
Honest answer if staying put is better than switching
Loan Check
We review your current loan and assess savings.
Recommendation
Real numbers — switch costs, savings, break-even point.
Application
We package and lodge with the chosen lender.
Discharge & settle
Old loan closed, new loan live. Lower repayments start.
How much could I actually save by refinancing?
On a $500,000 loan, a 0.50% rate reduction is roughly $1,800 a year. Add debt consolidation and the figure can be much higher. The Loan Check runs real numbers on your situation.
What does refinancing cost?
Typical costs include discharge fees from your current lender ($300–$500), government registration, and possibly break fees on fixed loans. We itemise every cost so you know the break-even point before deciding.
Can I access equity when I refinance?
Yes. If your property has increased in value, you may be able to release equity for renovations, investment deposits or other goals. Up to 80% of the property value is typically accessible without paying LMI.
Ready to take the next step?
Start the Loan Check — we score it instantly and only call if we can help.