Mortgage Refinancing

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Owner occupied deals From 5.99% p.a. Comparison Rate* 6.01% p.a.
* The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Mortgage Refinancing Home Loans: Unlock Savings and Financial Flexibility

Is your current home loan still competitive and working for you? At Beyond Broking we understand that personal circumstances change, and life can look significantly different now than it did a few years ago. Home loan products also evolve to meet the ever-changing financial landscape. That's why we recommend a regular review of your loans and interest rates, to determine if mortgage refinancing could mean paying less and saving more.

Unlocking Potential Savings

Setting and forgetting your home loan could end up costing you more than you realise. As time passes, you may find yourself paying higher interest rates than what's currently available in the market. This is where a home loan health check comes into play.

A home loan health check is your ticket to financial peace of mind. It ensures that you're still paying the lowest interest rate possible and that the structure of your loans aligns with your current lifestyle and financial goals. We recommend conducting this check at least every two years to stay on top of your mortgage game.

Our Expertise in Home Loan Health Checks

At Beyond Broking, we offer free home loan health checks, ensuring that your financial wellbeing is on track. We understand that navigating the maze of home loan options can be overwhelming. That's why we're here to simplify the process for you.

Find a better rate, pay your loan down faster, redraw freely and save on your home loan with Beyond Broking.

Unlock Your Equity

We assist in evaluating your available equity, which can be utilised to secure more competitive loan offers and terms.

Access To Over 50 Lenders

We give our clients greater choice, accessing more deals and therefore able to find the most competitive rates and terms.

Accounting Backgrounds

Our broad experience in the accounting and finance field allow us to help our clients identify home loan saving opportunities.

Our Mortgage Refinancing Services

Free Property Valuations

This is the first step in determining if refinancing will be a cost-effective solution for you. How much is your property now worth versus how much you owe.

Interest Rate Negotiation

Based on your situation we then talk to our lenders and make sure you’re getting the best deal possible for your personal situation.


With over 50 lenders to choose from, we present you with the best options. It may be a simple rate negotiation with your current bank or a complete refinance with a different lender.

Portfolio Restructuring

The correct structure of your portfolio may be the difference in saving thousands. We’ll review it and provide you with any recommendations.

Cash Back Offers

We keep abreast of the latest offers available in the market to ensure you take advantage of deals or cashback offers your may be eligible for.

Periodic Reviews

It is important to us that our clients remain well priced in the market all times, so we make it our responsibility to do periodic reviews on your behalf.

Complimentary Home Loan Health Check

Our home loan health check is a quick and simple way to determine if there are more competitive offers or products available in the market that can better meet your needs, plus save you on your repayments each year. You can expect to learn:

  • If you’re eligible for more competitive offers
  • The value of your property to how to use your equity
  • Your current LVR (loan to value ratio) and what this means for you
  • Options for offsetting your fixed or variable loans
  • How to streamline your debt and simplify your payments
  • A plan to achieve your future goals (renovating, upgrading, investing)
This complimentary service is a great way to determine if mortgage refinancing is suitable and learn what options are available to you.


Like to get an idea of how much you can borrow? Crunch the numbers using our handy calculators, they will give you a good idea of where you’re at. Just remember we review your full financial situation to provide a more accurate picture.

What are the benefits of Mortgage Refinancing?

  • Lower Interest Rates: Refinancing can secure a lower interest rate, potentially reducing your monthly repayments and overall interest costs.
  • Improved Loan Terms: You may have the opportunity to negotiate improved loan terms that better align with your financial goals.
  • Access to Equity: Refinancing can provide access to the equity you've built in your home, which can be used for investment, home renovations, or other financial needs.
  • Debt Consolidation: Consolidating high-interest debts into your mortgage can result in lower overall interest payments.
  • Financial Flexibility: Tailored refinancing can offer increased financial flexibility, allowing you to better manage unexpected expenses or changes in your financial situation.
  • Better Loan Features: You can explore loan products with features such as offset accounts, redraw facilities, or flexible repayment options.
  • Debt Repayment Acceleration: Refinancing can help you accelerate your debt repayment strategy, helping you achieve financial freedom sooner.
Enquire with us today to organise a complimentary, no-obligation assessment, to learn whether you are eligible for a more competitive refinancing deal.

Discover if you are eligible to save and pay off your mortgage faster.

Take the first step towards potential savings on your home loan by enquiring about our Complimentary Home Loan Health Check. Discover how refinancing or optimising your current loan could lead to reduced interest costs and improved financial well-being.


What Is Home Loan Refinancing?

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Home loan refinancing is the process of replacing your existing mortgage with a new one, typically to secure more favourable terms such as lower interest rates, reduced monthly payments, or improved loan features.

When Is the Right Time to Refinance My Home Loan?

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The ideal time to refinance your home loan depends on your financial goals and the current market conditions. Common triggers include lowering interest rates, improved credit scores, changing financial circumstances, or the desire to access equity.

Can Refinancing Help Me Save Money?

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Yes, refinancing can potentially save you money by securing a lower interest rate, reducing monthly repayments, consolidating high-interest debt, or providing access to home equity for investments or renovations.

What Documents Do I Need to Refinance My Home Loan?

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The documents required for home loan refinancing typically include proof of income (pay stubs, tax returns), bank statements, a credit report, and details about your existing loan. Your lender will provide a specific list based on your situation.

Are There Any Costs Associated with Home Loan Refinancing?

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While refinancing can lead to long-term savings, it may involve upfront costs such as application fees, valuation fees, and legal fees. It's essential to weigh these costs against potential savings to determine if refinancing is financially beneficial for you.

Choose from over 50 lenders

Whether you are searching for a lower interest rate or niche lending solution, we compare our extensive range of home loan lenders to provide you the best rates and options.
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Get in touch with us today

Get an obligation free home loan and interest rate consultation with one of our brokers today.
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