Refinancing your home loan

Not sure where to begin? We’re here to help you weigh up your options.

Life doesn’t stand still—maybe you’ve started a new job, welcomed a new family member, or just want a better deal on your loan. It could be rising school fees, an empty nest, or that leaking shower or outdated kitchen that’s finally had its day.

When your circumstances change, it’s a good time to review your home loan. Refinancing might feel overwhelming, especially when weighing up fees or deciding between fixed and variable rates.

But the right refinance could help you pay off your home sooner, reduce your interest costs, consolidate other debts, or even fund an upgrade to boost your property’s value—all smart moves for your future.

Download your free guide to home refinancing

Common Questions When Considering Refinancing

Yes—it’s always a good idea to review your current home loan to see if you’re still getting the best deal. The interest rate you’re on, your loan type (fixed, variable, interest-only, or line of credit), and the features you want all play a part. We can help you explore your options and compare alternatives quickly.

Many people refinance to consolidate higher-interest debts like credit cards, personal loans, or overdrafts. Home loan interest rates are usually lower, so this can help reduce your overall repayments—provided you have enough equity in your property. Just be sure to keep repaying the consolidated debt at your current rate to avoid stretching the term. We can help you work through the best approach.

Everyone’s financial situation is different. Use our quick loan estimator for an initial idea, or get in touch for personalised advice based on your income, expenses, and goals.

There are hundreds of home loans on the market, so choosing the right one can feel overwhelming. Our loan guides can help you understand your options, and we’ll work with you to find a loan that fits your needs and future plans.

Most lenders offer flexible repayment schedules—weekly, fortnightly, or monthly. Making repayments more frequently than monthly can help reduce the interest paid over the life of your loan and shorten your loan term.

Depending on your current loan, there may be break costs or exit fees for paying it off early. However, any upfront fees could be outweighed by long-term savings on repayments. We’ll walk you through the potential costs and benefits to help you make an informed decision.

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