Refinance Options
Lower your rate, access equity or restructure
We compare lenders and negotiate to keep you competitive — whether your goal is to reduce repayments, fund projects, or optimise your loan structure.
When refinancing makes sense
- Your fixed term ended or loyalty rate crept up.
- You want to unlock equity for renovations, investing or buffers.
- Debt consolidation could simplify cash‑flow.
- You need better features (offsets, extra splits, portability).
- You’re restructuring after a change in income or goals.
Options we’ll assess
Rate reduction
- Repricing with your current lender or switching to a sharper variable/fixed.
- We factor cashback (if any), break fees and discharge costs.
- Top‑up or new split to fund renos, invest, or build buffers.
- Keep clear separation of deductible vs non‑deductible debt (seek tax advice).
Debt consolidation
- Wrap personal/credit card debt into your home loan to lower repayments.
- We model total interest vs. term to avoid false savings.
- IO vs P&I mix, additional splits, offsets/redraw and portability.
- Reset term selectively to manage cash‑flow without paying more than needed.
We coordinate valuation, discharge and settlement so the switch is seamless and numbers stack up after fees.
Run the numbers
Compare current vs new repayments, break‑even after costs, and equity available.
Open calculatorsYour step‑by‑step path
- Strategy call & goal setting — clarify objectives and constraints.
- Compare scenarios — model rate cuts, equity release and consolidation sensitivity.
- Choose lender & structure — confirm features, splits, offsets and fees.
- Reprice or refinance — negotiate with current lender or switch and manage discharge.
- Settlement & setup — align direct debits, offsets and post‑settlement check‑in.
FAQs
Ready to review your loan?
Book a quick chat. We’ll compare lenders, negotiate pricing and outline your best options.
Prefer email? Contact us and we’ll respond quickly.