Refinance a home loan with a broker.

We won't quote you a number sight unseen. What we will do is pull your current rate, compare it against the sharpest options on the panel that fit your situation, and show you the comparison rate side by side. The saving is whatever the maths says it is after fees and break costs. The refinancing guide walks through what those numbers usually look like.

Break costs apply if you're inside a fixed-rate period and you exit early. They're calculated on the lender's funding cost movement and can be anywhere from a few hundred dollars to several thousand. If you're on variable, there's no break cost, just a discharge fee.

Sometimes. Cashback offers usually have conditions: a minimum loan size, a higher rate, or a higher ongoing fee. We work out the net position over three years and tell you whether the cashback is genuine or just a marketing pivot.

Four to six weeks end to end is typical. Application and approval is usually 2 to 3 weeks, the rest is the discharge from the old lender, which is outside everyone's control. We chase it on your behalf.

A credit enquiry shows on the file. One refinance enquiry is not a material issue. Multiple applications in a short window can be, which is why we usually submit to one lender at a time after the shortlist conversation.

Two recent payslips, three months of transaction statements, the current loan statement, rates notice for the property, and ID. Self-employed adds two years of tax returns. We send a checklist after the first call.

Brokerage is paid by the new lender at settlement. There's no fee to you for a standard refinance. Any exception is disclosed upfront. See the Credit Guide.