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Looking for a better deal?

Refinancing your mortgage can be a smart way to take control of your finances. Whether you’re looking to lower your monthly payments, lock in a better interest rate, or access equity for things like renovations or debt consolidation, refinancing gives you options. It’s a simple move that can lead to big savings and more flexibility down the road.

Refinancing Considerations

You could qualify for a better rate.

Interest Rates
Compare current rates to your existing one. Even a small decrease can lead to significant long-term savings.
Break-Even Point
Calculate how long it will take to recoup the costs of refinancing. Make sure you’ll stay in the home long enough to benefit.
Refinancing Costs
Factor in legal fees, appraisal costs, discharge penalties, and lender fees when weighing the overall savings.
Loan Term
Consider whether you want to shorten or extend your mortgage term, and how that impacts your monthly payments and total interest paid.
Your Long-Term Goals
Refinancing may allow you to tap into your home’s equity for renovations, investments, or debt consolidation.
Equity Access
Align your refinancing decision with your future plans—whether it’s staying put, selling soon, or transitioning to retirement. To find out how much equity you may have towards a new purchase or renovations, try out the equity calculator . Further, if you find your're at an 80% LVR, you may be eligble for a better rate on your home loan. Get in touch for more!
For a no-obligation consultation, get in touch with Matthew now.

Frequently Asked Questions

Typically, you’ll need at least 5–10% of the purchase price. A 20% deposit avoids Lenders Mortgage Insurance (LMI), but various schemes can reduce upfront costs.

You may qualify for the First Home Guarantee, First Home Buyer Assistance Scheme (stamp duty concessions), and the First Home Super Saver Scheme. These can lower your deposit or costs.

Lenders assess your income, expenses, credit history, and existing debts. A mortgage broker can give you an accurate borrowing capacity based on your real situation.

You’ll need ID, recent payslips, bank statements, and details of any debts or assets. A broker can provide a checklist.

Consider interest rates, loan features (like offset accounts), fees, and flexibility. A broker can compare options from multiple lenders to suit your goals.

The Loan Journey

Let’s Chat

I’ll catch up and get a feel for where you’re at now and what you’re hoping to achieve.

Behind-the-Scenes Work

I head back to the office, crunch the numbers, and explore the best options to help you reach your goals.

Your Options

I’ll catch up and get a feel for where you’re at now and what you’re hoping to achieve.

I Handle the Hard Stuff

From paperwork to approvals, I take care of the lot and keep you updated every step of the way.

Ongoing Support

I don’t just set and forget — I check in regularly to make sure your loan still works for you.