Let’s make your home loan work smarter, not harder

Your home loan shouldn’t be something you “set and forget.” As life changes — and interest rates do too — it’s worth checking whether your current loan is still giving you the best deal. Refinancing can help you save on interest, lower your repayments, or access equity for renovations, investments, or other goals.

Whether you’ve been with the same lender for years or you’re simply curious about what’s out there, I can help you review your options and make sure your home loan is still working for you — not against you.

How I Help

  • I’ll start by taking a close look at your existing loan setup, repayments, and lender terms to see if it’s still competitive. You’ll get a clear breakdown of what you’re paying — and what you could be saving.

  • I’ll research and compare loans across a wide range of lenders, not just your current bank. You’ll get a side-by-side comparison of the options that fit your goals, whether that’s a lower rate, better features, or more flexibility.

  • Once you’re happy with your choice, I’ll handle the entire switch — from submitting the application to liaising with lenders and managing discharge paperwork. You won’t have to chase banks or deal with the admin.

  • Refinancing isn’t a one-off fix. I’ll continue reviewing your loan over time to make sure you’re always in a strong position, especially as rates or your circumstances change.

Let’s review your loan and see if it’s time for a change.

Book my free home loan review

 FAQs

  • If your rate hasn’t been reviewed in over two years, or your circumstances have changed, it’s worth checking. Even a small rate difference can potentially lead to thousands in savings over time.

  • Some lenders charge discharge or setup fees, but in many cases, these are outweighed by the long-term savings. I’ll go through all potential costs upfront so there are no surprises.

  • Usually around 2–4 weeks from application to settlement, depending on the lender and complexity of your current loan.

  • Yes, as long as it makes financial sense. Sometimes waiting a little longer can be beneficial if there are break fees involved, but I’ll help you assess the timing.

  • Absolutely. If your property has grown in value, you can often tap into that equity for renovations, investing, or other goals — without selling your home.

  • Yes — refinancing can be a great way to simplify your finances by rolling multiple debts (like personal loans, car loans, or credit cards) into your home loan. This means you’ll have just one repayment, often at a much lower interest rate. It’s important to consider the long-term impact though — extending short-term debts over your home loan term can increase total interest paid. I’ll help you compare the numbers and decide if debt consolidation makes financial sense for you.

  • Yes, you can — but it’s important to understand how it works. When you refinance, you’ll no longer have the government guarantee that helped you purchase with a smaller deposit. This means you’ll need at least 20% equity in your property to avoid paying Lenders Mortgage Insurance (LMI). If you’re unsure how much equity you have or whether refinancing makes sense right now, I can help you review your current position and explore your options.