Stop overpaying. Start saving.
Thousands of Australians are paying more than they need to on their mortgage. Whether you're coming off a fixed rate or have been on the same variable rate for years, chances are there are significantly better options available right now.
Is It Time to Refinance?
Refinancing your home loan means replacing your current mortgage with a new one — usually with a different lender and better terms. The right refinance can save you thousands of dollars over the life of your loan, give you access to better features like offset accounts, or release equity for other investments.
At Get Home Loan, our brokers review your current loan against the entire market and give you an honest assessment. If refinancing makes sense, we handle the entire switch — paperwork, negotiations, and coordination with your new lender — completely free of charge.
Reasons to Refinance
- Secure a more competitive deal — lenders compete for good borrowers
- Access equity in your property for renovations or investment
- Consolidate debt into a single, lower-cost loan
- Switch from fixed to variable (or vice versa) to suit your needs
- Get better loan features like offset accounts or redraw facilities
- Reduce your monthly repayments and improve cash flow
We Refinance All Loan Types
Owner-Occupied Home Loans · Investment Property Loans · Fixed Rate Loans · Variable Rate Loans · Interest-Only Loans · Construction Loans · SMSF Loans · Commercial Mortgages
How the Refinancing Process Works
Loan Review
We analyse your current loan — rate, features, fees — and compare it against the full market to identify genuine savings.
Recommendation
We present you with the best refinancing options and explain the costs, savings, and break-even timeline clearly.
Application
Once you decide to proceed, we handle the entire application — you just sign the paperwork we prepare for you.
Settlement
Your new lender pays out the old loan, and you're moved across. We confirm everything is settled correctly.
When Does Refinancing Make Sense?
Refinancing isn't right for everyone in every situation. There are sometimes break costs, discharge fees, and upfront costs with a new lender that need to be factored in. Our brokers will calculate your true savings — after all costs — so you can make an informed decision. If refinancing doesn't stack up, we'll tell you.
Generally, refinancing is worth exploring if your current loan has been in place for 2+ years, your financial situation has improved, or the market has moved significantly since you last reviewed your mortgage.
Frequently Asked Questions
Got questions? We have answers.
Ready to get started?
Get in touch and an expert broker will be in contact within one business day.
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