We compare 30+ lenders to find a better rate on your home loan. Most clients save $400–$900 per month. Free, no-obligation assessment.
Takes 2 minutes. No credit check required.
Most clients go from first contact to settlement in 3–4 weeks.
Fill in the quick form above. Takes 2 minutes. No credit check, no obligation. We just need the basics to get started.
Your broker searches our full lender panel — including banks, credit unions, and non-bank lenders most people don't know about.
We prepare your application, liaise with the new lender, and coordinate settlement. You just sign the paperwork.
Going direct to your bank is the most expensive option. Here's why.
Your bank only shows you their rates. We compare 30+ lenders simultaneously to find the sharpest deal in the market.
As your broker, our obligation is to find the best outcome for you — not to hit a bank's internal targets.
In most cases our fee is paid by the lender, not you. We're transparent about this upfront and disclose all commissions.
From application to settlement, we manage the process end-to-end. Most clients spend less than 2 hours on the whole thing.
Adjust the sliders to see your potential savings. Average Australian mortgage holders save $590/month by refinancing.
Based on your inputs, your estimated total savings over the loan term are:
$0 per year
Indicative only. Subject to lender assessment. Comparison rates available on request.
"We were paying 6.9% with our bank for 3 years. GoRefinance moved us to 5.74% in under 4 weeks. We're now saving $710 a month — that's a holiday every year."
"I had no idea how easy refinancing could be. My broker did absolutely everything. I just had to sign a few forms. Saving $540/month now."
"As an investor with three properties, I needed someone who understood complexity. GoRefinance restructured all three loans and saved me over $1,200/month combined."
The best time to refinance is when the rate gap between your current loan and available market rates is 0.5% or more — accounting for exit fees and switching costs. Other triggers include: your fixed rate period ending, your LVR dropping below 80% (removing LMI), a major life change (income increase, investment purchase), or after the RBA makes multiple rate cuts. In 2025, with rates on a downward trajectory, many homeowners are finding significant savings available.
A credit enquiry when you apply with a lender will temporarily reduce your score by a small amount (typically 5–20 points). This is usually recovered within 3–6 months once your new loan is established and payments are being made on time. Multiple applications in a short period cause more damage — which is why using a broker who submits one well-targeted application is better than applying to multiple lenders yourself.
Refinancing typically costs $800–$1,500 in total, including discharge fees ($150–$400 from your current lender), application/settlement fees ($300–$700 from the new lender), and possible valuation costs ($200–$400). Some lenders waive application fees to win your business. Most borrowers recover these costs within 2–4 months given their monthly savings. We provide a full cost-benefit analysis before you proceed.
From initial assessment to settlement typically takes 3–6 weeks. The timeline includes: broker assessment and lender selection (1–3 days), application preparation and submission (2–5 days), lender assessment and formal approval (5–15 days), and settlement (3–7 days). Delays usually come from slow document collection — having your income statements, tax returns, and property documents ready speeds things up significantly.
Yes — this is called a "retention" refinance or home loan switch. Your current bank may match or beat competitor rates if you threaten to leave. However, banks typically offer their best rates to new customers, not loyal ones. A broker can negotiate on your behalf and run the numbers on both staying and switching — sometimes you can use a competitor's offer to negotiate a rate reduction without even leaving your current bank.
Free, no-obligation assessment. Most clients get a response within 2 hours.
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