Refinancing
Compare your current loan with other options, including fees and repayments.
Who it is for
Process
We look at your existing rate, fees, features, and any break costs to understand your starting position.
Before switching, we negotiate with your current lender to see if they'll offer a better rate.
If repricing isn't enough, we compare 30+ lenders for a better overall deal.
We work out the full cost of switching and how long it takes to recover. If it doesn't make sense, we'll tell you.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Stay with current lender | Borrowers whose lender offers a competitive repriced rate | You might be missing better deals available elsewhere |
| Switch to a new lender | Borrowers who can save enough over time to outweigh switching costs | Discharge fees, application fees, and potential legal costs |
| Switch product within same lender | Borrowers who want simplicity and minimal paperwork | Internal switches may not give you access to the lender's best rates |
Further reading
Costs vary but typically include discharge fees from your current lender, application fees from the new lender, and possibly legal or valuation costs. We calculate the total before recommending a switch.
Always. Many borrowers get a better rate without the hassle of switching. We check repricing before recommending a refinance.
We review whether the problem was serviceability, valuation, credit conduct, cash-out purpose, income evidence, property type, or lender policy before deciding whether another lender is worth trying.
Typically 2 to 6 weeks depending on your lender and complexity. We manage the process and keep you updated at every stage.
It depends on the break-even period. If the switching costs are recovered within a year or two, it's usually worthwhile. We model the numbers so you can decide.
