Refinancing
- Refinancing
Is your current loan still working for you?
Rates change. Your situation changes. We make sure your loan keeps up.
Most essential workers set up their home loan and then never review it. Rates move, lender policies improve, and your income and equity position changes over time. A loan that was right three years ago may not be the best option today.
We review your current loan, compare it against what is available across 90+ lenders, and only recommend refinancing when the numbers actually make sense for you.
- Why Refinance
Reasons essential workers refinance
Lower Rate
Securing a lower interest rate and reducing monthly repayments.
Access Equity
Accessing equity built up in the property for renovations, investment or other goals.
Debt Consolidation
Consolidating debt into a single, lower rate loan.
Better Lender Fit
Switching from a poor-fit lender to one with better essential worker policies.
Loan Type Change
Moving from interest only to principal and interest as circumstances change.
Restructuring
Restructuring ahead of upsizing or purchasing an investment property.
- What We Do
Free loan health check
We start with a free loan health check. We look at your current rate, your remaining balance, your equity, and your goals. We then compare your loan against current options across our lender panel and give you a straight answer about whether refinancing makes sense and what the benefit would be.
We handle the entire refinancing process once you decide to proceed. Paperwork, lender communication, discharge of the old loan and settlement of the new one.
Free loan health check
We review your current loan and what you are paying.
01
We compare alternatives
We compare across 90+ lenders and show you the difference.
02
We manage everything
If refinancing makes sense, we manage the entire process through to settlement.
