Qualified Mortgage Broker • Since 2012

Refinance

Switch lenders, reduce repayments, consolidate debts, or access cash out — with a structure that suits your goals.

Better interest rate
Changing from one lender to another could save you thousands.
Debt consolidation
Pay out your credit cards and personal loans to reduce monthly repayments.
Cash out for future investment
Access equity for investing — with an appropriate loan structure.
Use equity to purchase an investment property
Leverage your home’s equity to fund the deposit and costs.
Reduce monthly repayments
Lower your rate, extend term, or consolidate to improve cash flow.
Coming out of a fixed rate
Review options before revert rates kick in.
Cash out for renovations
Add value to your house with improvements funded by cash out.
Cash out for personal reasons
Access funds when needed, subject to lender policy and purpose.

Break costs & fees
Any discharge, appraisal, application, or government fees.
True rate comparison
Comparison rates, cashback (if any), and ongoing fees.
Structure & features
Offset, redraw, fixed vs variable, splits, and portability.
Policy fit
Your income, liabilities, LVR, and credit profile versus lender policy.

I’ll run the numbers and show you whether refinancing stacks up — with clear figures on savings, fees, and structure.