Home Loans for Refinancers

If your current loan no longer suits you, refinancing can help you access a better rate, consolidate debt, or free up equity. We compare offers across our panel of lenders and factor in switching costs so you know if refinancing genuinely puts you ahead.

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What to Consider

Break costs, discharge fees and any new lender's application or valuation fees — these need to be weighed against the savings from switching.
Whether your goal is a lower rate, debt consolidation, accessing equity, or changing loan features like an offset account.
Your current loan-to-value ratio (LVR) and how it affects the rates and cashback offers you're eligible for.
How a new loan term affects total interest paid, even if your monthly repayment goes down.

Frequently Asked Questions

Is refinancing worth it if there are exit fees?

It depends on the size of the fees versus the savings over time. We run the comparison for you, including any cashback offers, so you can see the real net benefit before deciding.

Can I refinance to consolidate other debts?

In many cases, yes, though it depends on your equity and overall financial position. We can talk through whether debt consolidation makes sense for you.

Other Home Loan Situations

Home Loans for First Home Buyers Home Loans for Property Investors Home Loans for Self-Employed Borrowers