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Whether you’ve got a mortgage or you’re looking to get into the market, a Home Loan Health Check Clarity Call will help you understand your options and what to do next simply and clearly.

Take Control of Your Home Loan

Is your current home loan still working as hard for you as it should? Rates change, life circumstances shift, and the loan that suited you a few years ago might not be the best fit today.

Whether you want a better rate, lower repayments, access to equity or a loan that better suits your plans, our mortgage broking team can review your current loan, compare suitable options and manage the refinancing process from application through to settlement.

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Refinancing Your Home Loan

Finding a Loan Structure That Fits Where You Are Now

Refinancing is more than just chasing a lower interest rate. Understanding your options properly can make a real difference to your cash flow and long-term financial position.

We help you make sense of what has changed since you took out your current home loan, how lenders assess a refinance application and what kind of loan structure may now suit you better.

We’ll walk you through practical considerations including:

  • How your current loan compares to what is available in the market now
  • What lenders look for when assessing a refinance application
  • How your loan-to-value ratio and available equity affect your options
  • The difference between switching lenders and restructuring with your current one

How Our Refinancing Mortgage Brokers Can Help

Refinancing should leave you in a better position, not simply move your loan from one lender to another. Our mortgage brokers review your current loan, understand what you want to achieve and compare suitable options before recommending a way forward.

Review Your Current Home Loan

We look at your current interest rate, repayments, loan balance, fees, features and remaining term to understand how your existing loan is performing and where there may be room to improve.

We compare suitable loan options across a broad panel of lenders, taking into account more than the advertised interest rate. Loan features, fees, borrowing capacity, repayment structure and your longer-term plans all form part of the comparison.

A lower rate does not always mean a better financial outcome. We consider potential savings alongside discharge fees, break costs, loan terms and other refinancing expenses so you can see whether switching lenders genuinely makes sense.

Once you decide to proceed, we help prepare your application, coordinate the required documentation and work with the lender throughout approval and settlement. You have one point of contact helping keep the refinance moving and answering questions along the way.

Debt Consolidation and Accessing Equity

Refinancing can be a practical way to bring multiple debts together or free up funds for something else, without necessarily increasing the pressure on your day-to-day cash flow. Whether you’re looking to simplify your finances or put the equity in your home to better use, understanding how this works is the first step to deciding if it is the right move.

We explain how equity release works, what lenders take into account and what each option means for your repayments and overall loan balance over time. With clear guidance around the benefits and trade-offs, you can make a decision that suits your current situation and future goals.

Depending on your goals, refinancing can be used to:

  • Consolidate credit cards or personal loans
  • Access equity for renovations or a major purchase
  • Free up cash flow with a lower repayment
  • Fund an investment property purchase

Weighing Up the Costs and Timing of Refinancing

Refinancing is not free, so it is worth understanding the full cost before you commit.

Depending on your current lender, there may be discharge fees, valuation costs or break costs if you are on a fixed rate. We help you identify what may apply and weigh those costs against the potential savings or benefits of switching.

We also explain how refinancing may affect your credit profile, loan features and fixed-rate arrangements, so you can decide whether the benefit of moving outweighs the cost.

Why Refinance With 360 Financial Strategists?

Choosing the right loan matters, but so does choosing a mortgage broker who understands what that loan needs to achieve. 360 Financial Strategists combines mortgage broking with broader financial planning, allowing us to consider your refinance as part of your wider financial goals.

  • Mortgage Broking and Financial Advice Under One Roof: Your home loan can affect your cash flow, investment plans, retirement strategy and ability to build wealth. Our wider team can consider how these pieces fit together rather than looking at your mortgage in isolation.
  • Access to a Broad Panel of Lenders: We can compare suitable options from a range of lenders rather than limiting the conversation to one bank or one loan product.
  • Over a Decade of Mortgage Broking Experience: Led by award-winning mortgage broker Mish Blecher, our mortgage broking team brings more than 20 years of industry experience. 
  • 400+ Five-Star Google Reviews: Join hundreds of clients who have trusted our team for clear advice, responsive support and smarter financial decisions.
  • A Strategy That Goes Beyond the Interest Rate: We consider rates alongside fees, loan structure, repayment flexibility, equity, future borrowing plans and your wider financial goals.

Whether your priority is reducing repayments, accessing equity, restructuring debt or finding a loan that better suits where you are now, we can help you work out whether refinancing is worthwhile and what your next move should be.

Your Deposit, Lenders Mortgage Insurance And When To Buy

See If Refinancing Could Put You in a Better Position

Your home loan should still suit your finances, your plans and where you want to go next. Our mortgage broking team can review your current loan, compare suitable refinance options and show you whether switching could genuinely leave you better off.

Because 360 Financial Strategists combines mortgage broking with financial planning, we can also consider how your loan fits with your broader financial goals.

Speak with our team to review your refinancing options.

Frequently Asked Questions

How do I know if refinancing is right for me?

It depends on your goals, whether that is a better rate, lower repayments, more flexibility or access to equity, and how your current loan compares to what is available now. We look at your full situation and help you weigh up whether refinancing genuinely puts you in a better position.

Refinancing may be worth considering if your current interest rate is no longer competitive, your fixed-rate period is ending, you want to reduce repayments or your existing loan no longer has the features you need.

It may also make sense if your property has increased in value and you want to access equity, consolidate other debts or prepare for an investment property purchase.

The potential savings need to be weighed against refinancing costs, your remaining loan term and the structure of the new loan. A mortgage broker can compare your current loan against suitable alternatives and help you determine whether switching would genuinely leave you better off.

Timeframes vary depending on the lender and the complexity of your situation, but most refinances move through application to settlement within a few weeks. We guide you through each step, keep the process organised and communicate clearly so you know what to expect.

Applying for a new loan can have a short-term impact on your credit profile, largely due to the lender’s credit check. We help you understand what to expect and how to approach the process while limiting unnecessary applications.

Depending on your current lender, refinancing may involve discharge fees, valuation costs or break costs if you’re on a fixed rate. We outline what is likely to apply to your situation and weigh this up against the potential savings before you commit.

In many cases, yes, depending on your loan-to-value ratio and how much equity you’ve built up. We explain how equity release works, what lenders take into account and what it might mean for your repayments and loan balance.

Yes, although a fixed-rate loan may come with break costs worth factoring into the decision, and investment loans are assessed differently to owner-occupier loans. We walk you through what applies to your situation before you make a move.

We’re Here to Help with Your Questions and Enquiries

Please complete the form below with your enquiry details, and one of our team members will get back to you as soon as possible. We look forward to assisting you.

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