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It all starts with a goal, what's yours? Buy or build my first home and

Refinancing can offer so much more than a better rate.

It can also be your ticket to achieve a whole range of personal goals, from renovating to moving to buying an investment property - or even getting your debts sorted out.

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

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Does your home loan interest rate start with a 3? If you answered no, you might be paying too much. Snap a picture of your recent loan statement and we’ll help you determine if you’re still in the right product.

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How can a broker help me?

Free Home Loan Health Check

Your Mortgage Choice broker can give you a free home loan health check in just 1 hour, to see if it's worthwhile to switch.

Work out the costs involved

We'll help weigh up the different expenses that can be involved in refinancing to make sure it’s the right choice for you.

Help you through the process

We'll sift through hundreds of home loans from our wide choice of lenders to help you find the one that's right for you.

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What I need to know

Refinancing FAQs

Find out the answers to the questions our Mortgage Choice brokers are often asked by customers considering refinancing.

Refinancing tips & tools

Do your sums with our handy calculators, or download our PDF guides and checklists for further reading.

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Your local Mortgage Choice broker

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Hear from our customers

We still can’t believe how easy it was. Not only did our broker arrange an appointment suited around us but within a short time we felt completely comfortable and at ease with our refinance options. He gave us options which empowered us with choices that saved real time, lots of money and much anguish.

Nick and Angela Vlahadamis (Refinancers)

My Mortgage Choice broker had discussed a number of different types of loans, and he explained how an offset loan could be useful in my circumstances. He was absolutely spot on because after only a few months I can really see the impact the offset account is having. After all those years feeling like I was getting nowhere, I am starting to see the loan balance fall and it feels really good.

Peter (Refinancer)
Sydney, NSW

With our Mortgage Choice broker's help we have refinanced our home loan to a different lender. We decided to go with a split loan again, and we took some additional funds to pay for the home improvements. But thanks to the competitive interest rate our broker secured for us, we’re still paying the same each month. Even better the fixed rate portion of our loan is surprisingly flexible and we can make additional repayments up to an annual limit.

Nigel (Refinancer)

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