Explore Home Loans

If you’re new to refinancing and find that you’ve got more questions than answers, you’ve come to the right place. Browse the topics below to find responses to the most common questions asked by those in your position, getting an overview of refinancing that leads to more detailed information.

How do I improve my financial situation?

After having the same home loan product for a few years, you may start to notice better deals appearing on the market and want to know if you can take advantage of them. You may also be looking to consolidate debts, or free up some money for things like renovations. Whatever the reason, visit our “What is refinancing” page to find out more about how this works.

How much money can I borrow when refinancing?

Obviously the amount you can borrow will depend on your own individual circumstances, but to get a rough idea, visit our borrowing calculator to find out more. You can also chat to one of our home loans specialists, who would be able to give you a more customized answer by taking into account all your personal circumstances.

Can I get a better deal?

As lenders are adjusting rates outside of the reserve bank, it’s a good time to shop around and compare. By getting in touch with one of our home loans specialists, you may be able to find a mortgage where you pay less than what you’re currently paying. Of course, this will depend on a number of factors, such as the type of loan, what interest you’re currently paying, and the features you’re looking for in your loan.

Are there costs involved in switching?

This will depend on the Terms and Conditions of your current loan, so be sure to do your homework on this. There may for example be penalty fees for paying off your current mortgage early. With that said, these may be offset by the savings made by switching. One of our home loans specialists will be able to advise which fees would apply to your situation.

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Whether you’re buying your first home, or simply looking to refinance an existing mortgage, we've got a really simples
way to help you find a home loan that matches your unique needs and circumstances!

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Ready to look for a better deal? It’s easy to compare with us.

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