Refinancing, Brisbane and SEQ
Refinancing in Brisbane? Your life has moved on. Has your mortgage?
Thinking about refinancing? Your income, your equity and the market have all changed since you signed. With access to 40+ lenders on our panel, we look at where you are now, run the numbers with you on the first call, and do the heavy lifting through to settlement.
Why people call us
When should you refinance your mortgage?
- The repayments feel heavy. A lower rate, or a better structure, can take real pressure off the budget.
- A fixed rate is about to end. The rate it rolls onto is rarely the one you'd pick.
- You haven't checked in a while. Lenders often keep their lowest rates for new borrowers, not loyal ones.
- You want to use your equity. A renovation, the next purchase, or keeping your home as an investment.
- The loan no longer fits. No offset, the wrong split, or a term nobody has looked at since settlement.
Our honest rule
We only recommend refinancing when it still makes sense after the costs.
Discharge fees, government fees, a new valuation and any break costs on a fixed rate all count. We add them up first and show you the real number. Sometimes the answer is to stay, and your current lender may lower your rate when we ask.
How a refinance works with us
A refinance, without the drag.
Discovery Call
A little longer than our usual call. We go through your current mortgage and what you want to change, and run the numbers with you. You'll hear straight away where we think we can help.
You send the docs.
One secure online fact find. Tell us the type of loan you'd like (variable, fixed or a mix), or leave it open.
Strategy Session
We come with recommendations. The lenders that fit are already narrowed down, with a variable option, a fixed option, or both if you left it open.
Heavy lifting to settlement
Application, valuation, the discharge from your old lender and settlement day. You keep paying as normal until the switch.
Already a client? We have your file, so it's quicker again.
For our clients
Your mortgage, reviewed every year, for as long as we look after it.
Settlement isn't where we finish. Around your settlement anniversary we get in touch with a few quick questions. Any pay rises? Any changes at home? Thinking about a renovation or the next move?
Then we review your loan and talk you through whether any options are worth considering. Sometimes the answer is "you're in good shape, leave it". Sometimes your current lender may lower your rate when we ask. And sometimes a move to another lender makes sense.
Ten minutes of your time
The comparison is ours.
We already know your file, so there's no starting from scratch. How the yearly review works.
How long does refinancing take?
Most refinances settle within two to six weeks of the application going in. Your part is mostly the fact find and a few signatures. We handle the rest, including chasing your old lender to release the loan, which is often the slowest step.
What does it cost to refinance?
Expect a discharge fee from your old lender and government fees to register the change. Some lenders also charge an application or valuation fee, though these are often waived. A fixed rate can add break costs, and above an 80% loan you may pay LMI again. We add it all up before we recommend anything.
Will refinancing restart my loan term?
Only if you want it to. We match your remaining term unless changing it is part of the plan, so you don't end up paying interest for longer by accident.
Is a cashback offer worth switching for?
Only if the switch makes sense without it. A cashback is paid once, but you live with the rate for years. We compare the full picture over the time you're likely to keep the loan.
Should I just ask my bank for a better rate?
Sometimes that's the right answer, and we'll tell you if it is. Lenders will sometimes lower a rate when a broker asks with another lender's offer in hand. If they won't, we'll show you what moving would cost and what you could save, so you can decide.
Does it cost anything to use a broker to refinance?
In most cases, no. If the refinance goes ahead, the new lender pays our commission, so there's no fee for our service. If that ever changes for your situation, we tell you upfront.
Does the yearly review cost anything?
No. It's part of looking after our clients, for as long as your mortgage is arranged through us.
Find out if a switch is worth it.
Book a call and we'll run your numbers with you. Already a client? Reply to your review email and we'll get started.
No documents, no credit check. In most cases the lender pays us, so there's no cost to you.
What happens on the call
- Tell us what you're after.
- We'll explain how we work.
- If it makes sense, we'll book you in for a Strategy Session to go over the numbers properly.
You'll talk to a qualified mortgage broker.