Refinance Home Loans Australia

Could your home loan work harder for you? Brampton Finance helps homeowners and investors compare refinancing options across our panel of 40+ Australian lenders.

Established in 2006, we bring 20 years of mortgage broking experience to reviewing your current loan, explaining alternatives and supporting your application through settlement.

Ask us to review your home loan

 

Reasons to review your loan

Your circumstances and loan needs can change. A review may help you explore:

• A more competitive interest rate or different repayment structure.

• Features such as an offset account, redraw or extra repayments.

• Access to equity for renovations or another property purchase.

• Options for an investment loan or self-employed income.

• A change as your fixed-rate period approaches its end.

Access to equity and additional borrowing depend on the lender’s valuation, your income, existing debts and lending criteria.

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Compare the full cost

A lower repayment does not always mean a cheaper loan. Extending the loan term can increase the total interest paid, even when the monthly amount falls.

We compare rates, ongoing fees and features with the costs of switching. These may include discharge and registration fees, application or valuation costs, fixed-rate break costs and lenders mortgage insurance where applicable.

If debt consolidation is being considered, we also discuss the effect of spreading short-term debt over a longer mortgage term. We explain any applicable broker fees and lender commissions before you proceed.

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How long could it take to recover switching costs?

 

Illustrative example only: if switching costs total $2,000 and the estimated saving after ongoing fees is $200 a month, the simple break-even period is 10 months ($2,000 ÷ $200). This is a calculation example, not a current offer or a promised saving. Your result depends on the loan balance, rates, fees, features and remaining term. Compare the same remaining term and repayment type when assessing alternatives.

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What should you bring to a refinance review?

 

Share recent mortgage statements, your current interest rate, balance, repayment amount, remaining term and any fixed-rate expiry date. Include offset balances, other debts, income details and your reason for refinancing. Your broker can then identify the information still needed for a lender assessment.

Planning your review? Read our guides to repricing, refinancing or topping up your loan, preparing for a fixed-rate expiry and reviewing multiple property loans.

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Refinancing questions

 

Can I review my loan without changing banks?
You can ask your current lender to review its pricing and compare that response with other options. A review does not commit you to switching.

 

Can I refinance with self-employed income?
Discuss your business structure and available income records with your broker. Read our self-employed home loan guide for the documents and circumstances to discuss.

 

What if I am also buying an investment property?
Tell us about both plans so the proposed structure and borrowing requirements can be considered together. Explore our investment loan options.

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How refinancing works

1. Review: Tell us your goals and share your current loan details.

2. Compare: We assess suitable lender options, costs, features and potential savings.

3. Apply: We help prepare the application and coordinate with the lender through approval and settlement.

Refinancing is subject to the selected lender’s assessment and approval. We explain the requirements and expected timing for your circumstances.

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Start with a conversation

You do not need to know which lender or loan to choose. Start with your current balance, rate, repayments and what you would like to improve.

Our Sydney and Melbourne teams assist borrowers across Australia.

Speak with a Brampton Finance broker

Call 02 9389 1077 or email info@bramptonfinance.com.au.