• When your interest rate is no longer competitive

• You may want to refinance if your Fixed Rate is ending

• You want to reduce your repayments

• To Access equity from your property

• To Consolidate debt

• Your financial situation has changed

Every situation is different. Even a small reduction in your interest rate can potentially save thousands of dollars over the life of your loan. I can compare a range of lenders and provide a personalised estimate.

Yes. If your property has increased in value, you may be able to access some of your equity for renovations, investing, purchasing another property, or other approved purposes.

Yes. Many lenders offer options for self-employed borrowers. Depending on the lender, you may qualify using tax returns, financial statements or alternative income verification.

Yes, although your current lender may charge break costs. I can help calculate whether refinancing now is likely to be worthwhile.

Most refinance applications take between 2–6 weeks, depending on the lender, valuation requirements and how quickly documents are provided.

No. As you already own the property, you generally don't need to save another deposit. Your existing equity is usually used instead.

As a Mortgage Broker, we compare loan options from our large panel of lenders, explain the differences between products, manage the application process and help find a loan that best suits your needs.

No. There is no cost to use our services. If we are able to find your a suitable Refinance solution, we get paid a commission directly from the Bank/Lender.