Refinancing

At The Loan Home, we're Finance & Mortgage Brokers based in Randwick, NSW helping clients refinance their Home Loan or Investment Loan

Rated 5 from 24 Reviews

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We're here to help Refinance a Home Loan or Investment Loan

Refinancing a loan is the number one way most of our clients reduce interest repayments on their home loan or investment loan. Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies so chances are we can find a better loan for you.

As a property appreciates over time, you may be able to use this increased equity to obtain a larger loan amount. The extra funds can be used for various purposes, such as home renovations, debt consolidation, or even investments. Refinancing also allows borrowers to consolidate multiple loans into one, simplifying their financial management and potentially reducing overall interest costs. We can also help you understand the impact of any break-costs or exit-fees that may apply to your current loan, to make sure you can compare the true savings of Refinancing.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to refinance your home or investment loan, we have the expertise and experience to guide you through the process and make the right choice.

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Refinancing a Home or Investment Loan

Initial Consult

We’ll meet, either in person or via an online meeting, to discuss your current financial situation, all your hopes and dreams, and what is most important to you in a Bank or Lender.

Preliminary Assessment

We will then request all of the information required to complete a financial assessment. Think bank statements, payslips etc. We know - this part might trigger bad memories! But we are here to make it as simple as possible.

Review Options

We then review various banks and lenders offers in the market to find the most suitable loan. And of course reduce your Interest Rate, and any other costs, as much as possible!

Get It Done

We’ll talk you through all the important bits, help you to choose your new Home Loan, and to complete the formal documentation. Then we’ll hold your hand all the way to settlement and beyond.

Book Appointment

AP

Adam Price

Jess was amazing with supporting me throughout the process. Jess liaised directly with my bank and created an effortless task. Thanks a million Jess!

GB

Gemma Banning

Jess was a delight through this process. Considerate of my financial situation and needs when it came to finding the right home. Ongoing support post property purchase was more than I expected, I would recommend her to anyone that’s looking to buy/invest.

HF

Helen Frohloff

The whole process of purchasing a home is quite scary especially when navigating a new life as a single mum after separation...Thankfully I was referred to Jess and I couldn't be happier. She is such a beautiful human being who is reliable, ...

Frequently Asked Questions

Can you help with Business Lending?

We’re Commercial Bankers from way back! We’ll find you the policy, pricing and terms you need for your:

• Asset and Equipment Finance
• Business Purchases or Shareholder buyouts
• Cashflow Financing requirements including Trade Finance
• Specialised industry lending e.g Pharmacy, Childcare, Professional Services

Can you help with Self Managed Superfund (SMSF) Loans?

They’re known to be tricky but we’ll work with you, your Accountant and your Solicitor to make it as simple as possible. Talk to us about purchasing property in your Self Managed Super Fund.

Are you able to help finance Commercial Property?

It’s our jam! We love it. We can help with all of your commercial property lending requirements. Whether it’s a warehouse, an office space, a pub, daycare or pharmacy – we’ve done it all before!

• Purchases and refinances
• Investors and Owner occupiers
• Fit Outs
• Commercial construction and development

Not sure what kind of loan you need?

Not sure what kind of loan you need for your current financial circumstances? That's our job. We take the time to deeply understand your current financial position and needs so that we can deliver tailored finance solutions chosen from a panel of leading lenders. Talk to us today - we will help you to make sense of what you need and what options are available to you.

How can we help?

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your needs. We can help first home buyers, next home buyers, refinancers and investors. We also have extensive experience supporting Business owners with all of their cashflow and lending needs. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

Do you help with residential property finance?

It’s our bread and butter – we are here to help with all of your standard residential lending requirements.

• First home buyers, next home buyers, property investors or refinancers
• Debt consolidation, top-ups, equity access
• Residential construction and development

Ready to get started?