HOME LOAN REFINANCING
Check your home loan still fits.
Your circumstances change, and your home loan should keep pace. We review your current loan and compare suitable alternatives, including whether staying put makes sense.
A clearer picture before you decide.
Compare the overall cost
A lower rate is only part of the picture. We consider ongoing fees, discharge and setup costs, potential break costs and the time needed to recover switching expenses.
Review the features
We discuss whether offset, redraw, repayment flexibility or a different rate structure suits how you manage money. Features can have additional costs or conditions.
Keep your goals in focus
Extending the term may reduce repayments but increase total interest. We compare options against your remaining term and explain the trade-offs.
Personal support, step by step.
01 Review your existing loan
Have your latest loan statement, rate, balance, repayments, remaining term and fixed-rate end date ready if available.
02 Assess the alternatives
We compare suitable products from our lender panel and explain indicative costs and savings. Approval and savings are not guaranteed.
03 Support the switch
If refinancing is appropriate, we guide the application and settlement process and stay available for ongoing reviews.
Is refinancing always worthwhile?
No. Switching costs, a short time horizon or an already competitive loan can mean little benefit. A review can also identify whether a conversation with your current lender is a sensible first step.
Start with a conversation, not a commitment.
Speak directly with Nicholas about your plans and questions. You do not need to have everything worked out before getting in touch.
General information only, not personal financial, tax or legal advice. All lending is subject to application, lender approval and eligibility criteria.