Refinance Your Home Loan And Keep More of Your Money
Refinancing should feel simple: compare options, understand the true cost, and settle smoothly. We manage valuations, lender policy, and paperwork—so you get a better deal without the chaos.
Rate review + true cost breakdown | Valuation & settlement handled | No surprises
What Refinancing Actually Does (And Doesn’t) Do
A better rate is great—but the best refinance decision considers fees, features, and your next 2–5 years.
Want a clear answer? We’ll show the numbers.
Get My Refinance Review
Refinance Savings Calculator
Estimate repayment changes, total interest difference, and fee break-even
What You Can Achieve By Refinancing
Pick the strategy that matches your next 12–36 months
Lower Your Rate
Reduce repayments and keep more cashflow each month. We check true cost: rate, fees, and features.
- Compare lender pricing
- Avoid “honeymoon” traps
- Smooth settlement
Consolidate Debts
Roll high-interest debts into your home loan (where appropriate) and simplify your repayments.
- One repayment
- Lower interest than cards
- Structured safely
Unlock Equity
Access equity for renovations, upgrades, or investment—based on policy and serviceability.
- Valuation strategy
- Purpose-based advice
- Offset/redraw options
Improve Features
Switch to a better structure: offset account, flexible redraw, split loans, or fixed/variable strategy.
- Offset vs redraw explained
- Split & rate lock options
- Long-term plan
The Refinance Process
Clear steps, fast communication, and a settlement you don’t have to chase
Free Loan Health Check
We review your current loan, rate, fees, features, and goals. You’ll get a clear “keep vs refinance” recommendation.
Options & True Cost Comparison
We compare lenders and structures: variable, fixed, splits, offset. We account for fees and cashback conditions.
Valuation & Policy Check
Lender orders valuation (if needed). We confirm LVR, pricing tier, and policy fit—before submission risks delays.
Application & Approval
We package the application cleanly and manage lender questions. You get updates without chasing anyone.
Discharge & Settlement
We coordinate discharge from your current bank, settlement date, and direct debit setup—so the switch is seamless.
Post-Settlement Optimisation
Offset setup, splits, repayment settings, and a quick check-in to ensure everything runs smoothly.
Our Refinance Promise
We’ll show you the numbers clearly, handle the admin end-to-end, and make sure the “better deal” is actually better once fees and features are included.
What We Protect You From
Refinance mistakes can cost more than they save—here’s what we check
Hidden Fees
Low headline rates can come with higher ongoing fees or worse features.
We check
- Annual & package fees
- Offset costs & limits
- Exit/break fees (if fixed)
Cashback Clawbacks
Some cashback offers require a minimum stay or product rules.
We check
- Minimum time requirements
- Eligible loan types
- Settlement timeframes
Extending the Term
Resetting to 30 years can reduce repayments but increase total interest.
We check
- Keep vs reset term
- Repayment strategy
- Offset utilisation
Policy Mismatch
Some lenders look great until valuation rules or income policy causes delays.
We check
- Property type & postcode rules
- Income & employment policy
- Debt consolidation rules
Note: Timeframes and eligibility vary by lender, valuation outcome, and borrower documents. We’ll confirm what applies to your situation.
Real Perth Refinances
Examples of how refinancing can improve cashflow and structure
Alex & Priya S.
Michelle R.
Jin & Mei T.
Want a refinance plan that’s actually tailored?
Book My Free ReviewRefinance FAQs
Quick answers to the questions Perth homeowners ask most
How do I know if refinancing is worth it?
We compare your current loan against new options, then factor in fees and features. If the monthly savings (or feature value) outweighs costs within a reasonable timeframe, it’s usually worth it. Break-even is a key metric we calculate for you.
What does refinancing cost in WA?
Common costs include discharge fees, settlement costs, and registration fees. Fixed loans may also have break costs. Some lenders offer cashback or credits which can reduce net costs. We’ll confirm costs upfront before you proceed.
Will I need a new valuation?
Often yes—many lenders order a valuation as part of refinancing, especially if pricing depends on your LVR. We guide you through what to expect and how different lenders value properties.
Can I refinance if I’m self-employed or on a contract?
Usually yes, but lender policy varies. We select lenders that match your situation (income type, length of history, expenses, and documentation) to reduce delays and avoid unnecessary declines.
Should I fix or go variable when refinancing?
Many clients choose a split: some fixed for certainty, some variable for flexibility (offset/redraw). The right choice depends on your cash buffer, goals, and how long you plan to keep the loan structure.
How long does refinancing take?
Typical approval can be 1–2 weeks, with settlement often 1–3 weeks after that. Timeframes vary by lender, valuation speed, and how quickly documents are supplied. We manage the process end-to-end.
Get a Clear, No-Pressure Loan Review
We’ll compare your options, calculate the true cost, and handle the refinance from start to settlement. If refinancing isn’t worth it, we’ll tell you that too.
Rate comparison | Policy match | Smooth settlement
Start Your Refinance
Fill out this form and we’ll contact you within 24 hours to review your current loan and show your best refinance options.
Office
123 St Georges Terrace
Perth WA 6000
Your information is secure and confidential
Continue Your Research
Tools and guides to help you make a confident refinance decision