We say “yes” to your refinancing plans.

Refinance with ease while we do all the heavy lifting.

  • Get an easy pre-approval
  • Compare 50+ lenders and maximise your savings
  • We are your brokers for life — always ready to help, even after settlement
  • *T&C apply

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16+ years in business
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$5 billion+ loans settled
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Fast & confidential loan process
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Why choose to refinance?

Depending on your goals, there are many benefits of refinancing, which can include:

  • Refinance for a more competitive interest rate
  • Refinance for reduced monthly repayments and improved cashflow
  • Refinance to access equity to purchase investment property
  • Refinance for home renovations
  • Refinance to consolidate debt such as credit cards, car loans, or taxes into one monthly repayment
  • Refinance to potentially qualify for a more competitive interest rate with a major lender after fixing past credit issues
Explore Your Options east
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Are you eligible to refinance?

  • You owe less than 80% of the property value

    Ideally, you should owe less than 80% on your mortgage; otherwise, you may have to pay thousands in Lenders Mortgage Insurance (LMI).

  • You are on a variable rate

    Variable rate loans offer more flexibility when refinancing, allowing you to avoid exit fees associated with fixed-rate loans.

  • You can refinance out of a bad credit loan

    You can refinance a bad credit home loan back to a major lender if your Loan to Value Ratio (LVR) is 80% or less and there is no longer a default on your credit file.

  • You can refinance from a low doc to a full doc

    If you had a low doc mortgage but now have sufficient income evidence, you may qualify for a standard home loan at a better interest rate.

Get A Free Assessment east

50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.

Find better home loan rates

Latest home loan interest rates

Starting from

5.98

%*

p.a.

Comparison rate

6.35

%*

p.a.

Disclaimer: Your actual rate may vary according to your preferred lender and mortgage situation/needs. Talk to our experts for a personalised quote.

Find Your Best Rate Match east

Don’t believe us, hear from our customers

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Home Loan Experts reviewer
MaDjo testimonial-review-star

Smooth and very positive refinance process. This is our second refinance with Home Loan Experts. Always been a smooth, efficient process and a very positive experience for me and my husband. Quick responsive team, always grateful for the positive experience

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Home Loan Experts reviewer
Rubie testimonial-review-star

Refinance went without a hitch! I absolutely love and appreciate the Home Loan Experts. They are fantastic at what they do and they have made my life so much easier – both when I bought the home a few years ago and when I did my first refinance. I appreciate the constant updates and how readily available they were.

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Home Loan Experts reviewer
Conor G. testimonial-review-star

I have used Home Loan Experts many times over the last years and they have been fantastic to work with. They have helped me set up new loans for properties, refinance some loans and also negotiate better interest rates on my current loans as the rates increased over and over again in the last 12 months.

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4.8 out of 1600+ reviews

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4.6 out of 420+ reviews

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4.7 out of 720+ reviews

Award-Winning Expertise At Your Service

Better Business Awards 2023: Best Large Independent office (Office) award logo
Better Business Awards 2024: Best Customer Service (Office) award logo
Homan Resources Director Asia - 5 Star Employers Of choice- 2023 award logo
The Adviser Australian Broking Award Winner for Major Independednt Brokerage of the year 2023 Award Logo
Better Business Awards 2022: Best Customer Service (Office) award logo

Customised home loan solutions for you

Unlock your refinance potential in just 3 easy steps.

  • Enquire with us.

    Quickly fill out our free assessment form to see if refinancing is right for you. Or connect with a refinance specialist at +61 2 9194 1700.

  • Understand your situation.

    A dedicated expert will connect with you to understand your specific goals. Together, we’ll assess your current mortgage situation/need.

  • Secure your ideal refinance solution.

    Leverage our network of lenders to find the best refinance option based on your needs.