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Why Refinance?

Imagine owning your home outright, mortgage-free…

There are two ways to refinance your mortgage – the bank way that sells you nothing but a lower rate, and the smart way that can save decades of your mortgage!

Our strategic refinancing strategies are tailored to


Maximize refinance savings


Reduce your home loan term


Break free from your mortgage


Own your home sooner than you think

With expert guidance and competitive rates, we pave the way for a debt-free homeownership journey.

Take the first step towards financial freedom and chat with our team today.

Your path to mortgage-free living starts here.


How Can We Help?

Refinace the right way, not the Bank way!

There is the traditional bank way to refinance that might save you a few bucks on your repayment, but often just extends your mortgage longer and cost more in the long run – or there is the smart way to refinance that can save anywhere from 2 – 10 times more than a traditional refinance, and knock years off the life of your mortgage.


Refinancing your home loan presents a remarkable opportunity to save money and secure a better financial future, offering a range of benefits that many homeowners may not realize, that go far beyond just getting a lower interest rate.

One of the key reasons to consider refinancing is the opportunity to lower your monthly repayments. By securing a lower interest rate or negotiating better terms, you can potentially save thousands or even tens of thousands of dollars each year.

This extra cash can be redirected towards other important financial priorities or simply provide more breathing room in your budget.

Refinancing also allows you to access additional features and benefits that may not be available with your current loan. This could include flexible repayment options, the ability to redraw extra payments, the inclusion of an offset account to reduce interest charges, or even locking in a fixed interest rate to provide certainty over repayments and protect you from future rate rises,

Consolidating debt is another compelling reason to refinance. If you have multiple debts, such as credit cards or personal loans, consolidating them into your mortgage can simplify your finances and potentially save you money on interest.

On top of that, refinancing can be an opportunity to access your home equity for important purposes like home improvements, investing in property, or funding education expenses.

Ultimately, refinancing is about taking control of your financial future and maximizing the benefits available to you.

Our team is here to help you navigate the refinancing process, understand your options, and make decisions that save real money and time off your mortgage.

Book a complimentary chat with us today to explore how to refinance the right way!

Managing multiple loan repayments is a sure way to never get any one debt paid off.

Many Home Owners refinancing their home loan also has additional loans they may not have included in their mortgage plans.

Things like credit cards, car loans, personal loans , and so-called ‘interest-free’ loans for items such as solar panels, appliances, and electronics.

When you find yourself barely scraping by each month, just making the minimum payments on various loans, it can feel like you’re stuck in a never-ending cycle.

Credit cards, especially, seem designed to keep you in debt, with their minimum payments barely making a dent in the total balance.

The temptation to simply pay the minimum required amount on your bills, especially after dealing with mortgage payments, car loans, personal loans, and everyday expenses, is understandable. However, this approach often leads to prolonged debt and financial stress.

But there iss a better way…

Instead of struggling to manage multiple payments, we help our clients consolidate everything into one manageable loan repayment.

This not only streamlines your finances but also allows you to take advantage of lower interest rates typically offered with home loans.

By consolidating your debts, you could:

  • Eliminate pesky account fees that add up over time.
  • Enjoy the benefits of a lower home loan interest rate, reducing overall repayment costs.
  • Significantly decrease your minimum monthly payment, providing more breathing room in your budget.
  • Free up cash that can be directed towards paying down your mortgage faster, potentially shaving off years or even decades from your mortgage.

Bottom line… It’s about taking control of your financial future, simplifying your debts, and making tangible progress toward owning your home outright.

Book a complimentary chat with us today to explore how debt consolidation through refinancing can empower you to achieve greater financial stability and freedom.

Time to renovate and don’t want to wait any longer?

Refinancing your home loan to access funds for renovating your home unlocks a world of possibilities to transform your living space into your dream haven. 

Here’s why refinancing for renovations is a smart choice:

  1. Dream Kitchen: Upgrade your kitchen with modern appliances, sleek countertops, and spacious cabinets. A renovated kitchen not only enhances functionality but may also add value to your home.
  2. Pool Installation: Create your own backyard oasis by installing a pool. It’s perfect for summer gatherings, relaxation, and increasing your property’s appeal.
  3. Luxurious Bathrooms: Upgrade your bathrooms with spa-like features, rainfall showers, stylish vanities, and heated floors. Transform your daily routine into a pampering experience.
  4. Outdoor Living Spaces: Build a deck, patio, or outdoor kitchen to maximize your outdoor living area. It’s ideal for entertaining guests or enjoying peaceful evenings outdoors.
  5. Energy-Efficient Upgrades: Invest in energy-efficient upgrades like solar panels, LED lighting, or smart home technology. Not only do these upgrades save you money on utility bills, but they also contribute to a greener home.
  6. Increased Property Value: Renovations can significantly increase your property’s value, making it a worthwhile investment for both your current enjoyment and future resale potential and investment properties.
  7. Personalized Touches: Add personalized touches to your home, such as built-in shelving, custom cabinetry, a cozy fireplace, or even a secret room. These enhancements make your home uniquely yours.
  8. Cost-Effective Alternative to Moving: Refinancing for renovations is often cheaper than moving to a new home. You can enhance your current space to meet your needs without the costs and hassles of relocation.

By refinancing and accessing equity for renovations, you have the flexibility to bring your renovation dreams to life sooner, rather than later.

Book a complimentary chat with our team today to explore how refinancing can turn your renovation dreams into reality.

Are you feeling trapped by your mortgage, struggling to make progress and envisioning a future where you’re finally free from debt?

If living paycheck to paycheck and sacrificing your lifestyle has become the norm, it’s time to consider a game-changing approach to homeownership.

Imagine wiping decades off your mortgage and owning your home outright in as little as 7-10 years.


Picture the relief of being completely debt-free, no longer stressing over money, and having the financial freedom to pursue your dreams.

Whether it’s investing in your first property, retiring sooner, or indulging in a dream holiday, the possibilities are endless.

The key lies in the right refinance structure, a strategy that unlocks the potential to accelerate your mortgage payoff without sacrificing your lifestyle.

It’s about changing your mindset and implementing a plan that works smarter, not harder.

With the right guidance and expertise, you could break free from the debt cycle and regain control of your financial future.

We have 10 different strategies that we implement with our clients every day that are designed to wipe decades off your mortgage.

We will help you build a customised plan to pay off your mortgage in the shortest time possible.

Imagine waking up every day knowing that you’re on track to achieving mortgage-free living and enjoying the peace of mind that comes with it.

So, if you’re tired of feeling like every day is Groundhog Day, working just to pay your mortgage, there’s hope.

Being mortgage-free is easier than you think – take the first step today and book a complimentary chat with our team today to discover how you can make it happen.

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Lifetime maintenance

We regularly renegotiate on your home loan whilst you sleep!

Real Stories

Our Clients

Back to homeownership after bankruptcy

Luke & Rachel Almos

After filing a Part IV Bankruptcy, Luke & Rachel thought they'd be trapped in the rental market for good. Read the story of how Luke & Rachel went from paying $450/week rent, to paying $250/week on their new home!

First Home Buyer

Frank Milly

Approached his own bank directly and was told he needed an unachievable 30% deposit due to the location of the property. Read his story to find out how we solved his dilemma and got him into his first home!

Dissapointed long-time loyal bank client

Laura & Timmy Hall

Laura & Timmy were shocked to find their bank was offering rates a whole 1% lower to win new customers, and were heartbroken when they refused to repay their loyalty with that same rate.

Too many repayments

Tori Mannis

From struggling to get by and meet the repayments on 10 different loan accounts, to being in a position to debt free and own her home outright in as little as 7 years.


Frequently Asked Questions

How much deposit do I need?

Deposit requirements are different from one lender to the next. Typically, most lenders need a minimum of 5-10% of the purchase price + any relevant government fee's and stamp duty.

That said, there are some state-based lenders that only need a 2% deposit, and there are many government schemes available that may help home buyers, such as waived or reduced stamp duty and cash grants that can be used towards your deposits.

In additional, we have access to a range of parental guarantee lenders that will enable you to use equity in a family member’s home rather than having a cash deposit.

Our team will guide you on what you may be eligible for.

Can my parents help buy a home without a deposit?

Yes! In fact, this is a common situation we help home buyers with everyday - it's often referred to as a 'Parental Guarantee' - but also has many other names. The bottom line here is that your parents may be eligible to provide you with assistance by using their own home to help you buy your new home.

Some lenders even allow other family members, such as brothers and sisters to provide a guarantee.

The benefit of this is that you often don't need a deposit at all, and you avoid Lenders Mortgage Insurance (LMI). 

We'll chat to you about this in more detail, and can explain how this works to your parents or guarantor.

What Government Grants and Assistance can I access?

There are a range of grants and concessions available. We will walk you through everything you need to know as a First Home Buyer.

There may also be assistance for second home buyers and families.

I'm self-employed and don't have tax returns - can I still get a home loan?

Yes! Some lenders think outside the box and can verify your income through other methods that do not require tax returns.

The income does still need to be an accurate reflection of your earnings, but many lenders will consider low documentation home loans, otherwise knows as a 'low-doc' home loan.

Can you help me with Car loans & Personal Loans?


We have an extensive range of lenders covering everything from Cars, Trucks, Boats, business equipment and Caravans - all the way through to personal loans for worthwhile purposes, including holidays, renovations, consolidations and everything in between.

Can I refinance a high payment car loan?

In the same way that there are lenders who offer better rates a home loan refinance, the same may be the case with vehicle financing.

Speak with our team to consider your options.

Can I refinance a balloon payments on my car?

Yes - some lenders will consider refinancing a balloon payment on your car.

Some may even allow you to roll this over onto a new car purchase if it's time to upgrade.

Speak with us to see what is possible.

What are the tax benefits?

It’s true, there is an exciting range of tax benefits that may be available to you as a property investor – from negative gearing and depreciation, through to tax minimization.

This is a very specialised area and we recommend seeking professional advice before making any decision.

Speak with us and we can point you in the right direction to get the answers you need.

How much can I really borrow?

Online home loan borrowing calculators are notoriously inaccurate and can often set you off on the wrong path. To make your chance of success harder, each lender will use a different method to calculate how much they will lend you.

Our proactive approach to understanding your borrowing capacity ensures you can go house hunting with some certainly over just how much you can really spend.

We provide a full assessment of your financial position to ensure we understand which lenders you qualify for, and how much each will lend to you.

If you want to know your true borrowing power, chat to us or visit our True Borrowing Power Calculator by clicking here.

How long will it take?

Our initial discussion will usually take no more than 15-20 minutes over the phone or video to ascertain what options may be available to you, but we make ourselves available for longer should you have any additional questions or needs some more time with us.

During that time we can give you all the information you need to guide you on your way.

If you’re happy with what we’ve spoken about we can arrange a pre-approval to give you peace of mind and ensure you can put forward a strong purchase offer.

Each lender will have a different application time frame and we can advise you of what they are.

Can I keep my old home as a rental property?

This is an exciting way to build wealth for your future and many first time property investors started out this way.

It sounds like a great idea to have someone else pay off the mortgage on your investment property – so why wouldn’t you?

There are some important pieces of the puzzle to consider first, so it is recommended to speak with our home loan experts before making any decisions.

How much can I save by refinancing?

We will provide you with a full review of your mortgage and provide a comprehensive home loan lender comparison that will break down each lenders fees, charges and interest rates to make it clear just how much you can save.

It’s not uncommon to save half a percent or more on your interest rate, we’ve even seen reductions as high as 3 or 4 percent on a home loan rate.

A 0.5% savings on a $400,000 mortgage could be as much as $130* or more per month or about $46,825 over the life of the loan, or buy putting those savings back on your mortgage could save $69,651 and  have you owing your home 3.8 years sooner! – so it makes sense to take a proactive approach to your finances with regular reviews.

That's a whole years salary for many working Aussies!

*$130 per month calculated based on a $400,000 mortgage bring reduced from 6.5% down to 6%

Do I need to change banks all the time to keep a good rate?

We take a pro-active approach to annual home loan reviews and will contact your each and every year. The purpose of your review is not to change lenders every year, but to ensure that the mortgage we set up for you is still working as expected and is still competitive – in most cases, there won’t be a need to make any changes at our annual review.

It could be a simple change with your current lender, or no change at all – or perhaps there is another bank worth considering.

Whatever it may be, we will be sure to let you know when the time comes.

Get Started

Book a video call with a home loan specialist