Current Rate Review
Compare your current interest rate, repayments and fees against suitable alternatives.
Home Loan Refinancing Australia
See Whether Refinancing Could Better Suit Your Current Needs
Get matched with an experienced Australian mortgage broker who can review your current home loan, compare suitable refinancing options and help you understand whether switching could better support your goals.
Guidance from your first question to settlement
Your current home loan may no longer be the right fit.
Interest rates, fees, loan features and your financial priorities can change over time.
Find My Shoe House helps connect you with a mortgage broker who can review your existing loan, compare suitable refinance options and explain the potential costs and benefits clearly.
Review your current home loan
Understand your current rate, repayments, fees and remaining loan balance.
Compare suitable refinance options
Review rates, loan features, repayment structures and lender requirements.
Understand the costs of switching
Consider discharge fees, application costs, valuation fees and possible savings.
What can refinancing help you review?
Get practical guidance to understand whether refinancing may improve your current home loan position.
Repayment Options
Explore whether a different rate, loan term or repayment structure may suit your budget.
Loan Features
Review offset accounts, redraw facilities, fixed or variable rates and other useful features.
Debt Consolidation
Understand whether eligible debts could be consolidated into your home loan and what risks apply.
Equity Review
Understand how available property equity may support renovations, investment or other goals.
Switching Support
Receive help with the refinance application, lender communication and settlement process.
Four simple steps to reviewing your home loan
We use your current loan details and goals to connect you with a suitable mortgage broker.
01
Tell Us About Your Loan
Share your current lender, rate, balance, repayments and refinancing goals.
02
We Review Your Needs
We review your details to identify a broker suited to your refinancing needs.
03
Speak With Your Broker
Your matched broker reviews your current loan and discusses possible alternatives.
04
Compare Your Options
Understand potential savings, switching costs and suitable refinance pathways.
Know when refinancing may be worth considering
Refinancing may be worth reviewing when your fixed period is ending, your interest rate is no longer competitive, your repayments have increased or your financial goals have changed.
- ✓ Your current interest rate is no longer competitive
- ✓ You want lower repayments or a different loan term
- ✓ You want better loan features or flexibility
- ✓ You want to consolidate eligible debts
- ✓ You want to access available property equity
Important things to understand before refinancing
Understand the potential benefits, costs and risks before deciding whether to switch lenders.
Could refinancing reduce your repayments?
A lower interest rate or a longer loan term may reduce repayments, but extending the loan term can increase the total interest paid over time. Compare both the short-term and long-term impact.
What costs can apply when refinancing?
Possible costs include lender discharge fees, application fees, valuation fees, government charges and break costs on some fixed-rate loans.
Can you refinance with the same lender?
Yes. Your existing lender may offer a better rate or product after a review. A broker can also compare options from other lenders available on their panel.
How much equity may you need?
The amount of usable equity depends on your property's current value, loan balance and lender policy. A valuation and full assessment may be required.
Frequently asked questions
Common home loan refinancing questions
Simple answers to help you understand the refinancing process.
Compare the potential interest and repayment savings against all switching costs, loan features and the long-term effect of the new loan term.
Yes, but the current property value affects your loan-to-value ratio and the options available. A lender may require a new valuation.
It may apply when the new loan is a high percentage of the property's value, depending on lender policy and your circumstances.
Yes, but break costs may apply. Ask for a fixed-loan payout figure and compare the cost against the potential benefits of switching.
A broker can compare suitable options from lenders on their panel and explain rates, fees, features, eligibility requirements and switching costs.
No. You can review your current loan and possible alternatives before deciding whether changing lenders is worthwhile.
Find your mortgage broker
Take the next step toward a better-suited home loan
Tell us about your current home loan and goals, and we will help connect you with a suitable mortgage broker.
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Quick home loan review request
Share your current loan details in only a few minutes.
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Matched around your refinancing goals
Your current loan, financial goals and circumstances guide the match.
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No obligation to proceed
Understand your options before making a decision.