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Mortgage Broker Brisbane
First Home Buyers Grant in Queensland & Brisbane.
More interest rate falls announced - latest home loans now available.
Request an obligation-free review of your Brisbane Mortgage.

Should you refinance? Let us assess your situation and offer practical and proven ways to adjust your loan.

Are you looking to refinance your home loan?  Perhaps you want to free up some funds, or switch to a lower interest rate?

The grass may look greener on the other side, but is it really?  Ensure that by switching to a new lower rate, you are actually going to be better off, check to make sure as it may come with extra fees or a longer term.

Interest rates keep falling...

You may have read recently that not all banks are passing on the full interest rate cuts.

Don't get caught with a bank that is pocketing interest rate cuts. Complete the form below for expert, local Queensland Mortgage advice.
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Reasons for refinancing:
  • You may want a cheaper rate
  • Switch from variable to fixed rate
  • Free up cash for renovations to your home
  • Looking for reduced or added features with your loan
  • Your financial circumstances have changed

By refinancing, you can change the terms and conditions of your home loan.  You take out a new loan, and use some or all of the funds to pay out your existing loan. The new loan can be with your existing lender, or with an entirely new lender.

The cost of refinancing depends on your existing lender's exit fees, and the establishment fees imposed by the new lender. You should check with your current lender what it would cost to pay out your loan early. Then it is a matter of weighing up how much you will save over the course of the loan.

If for example it costs you $3,000 in exit fees, and you save $200 a month in repayments, it will take you 15 months to break even. So it has to be a long term plan. If you did switch, over ten years, you would have saved $21,600.


If you do your research, consult a mortgage advisor and find the right home loan, refinancing can prove very beneficial, however it can end up costing you more in the long run of you make the wrong choices. 

We will only recommend you refinance your home loan if it will save you money in the long term.  Call and talk to one of our trained mortgage advisors on .

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