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"Half a percent doesn't sound like much..."Until you see what it costs you every month.

⚠️ Rate Alert: Major lenders have moved fixed rates twice in 2026. If you have not reviewed your home loan in the last 12 months, you may be paying more than necessary. Review yours today →

Most Australians are paying more on their mortgage than they need to. The numbers below might surprise you. Use our calculator to see exactly how much you could save — then decide if it's worth a conversation.

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Here's What "Just 0.5%" Really Looks Like

$34,839*Potential interest reduction over 30 years on a $600K loan
by reducing your rate just 0.5% — subject to eligibility and individual circumstances

On a typical $600,000 mortgage, the difference between 6.5% and 6.0% is approximately $197 less per month — or $2,364 every year. Indicative only. Actual savings depend on loan amount, rate, fees, and individual circumstances.

And this is a conservative example. Some clients have been able to reduce their rate by 0.5–1.0% or more — outcomes depend on individual circumstances, credit profile, and lender policy at the time of application.

Couple reviewing mortgage statements

🧮 See Your Savings in 30 Seconds

Enter your current loan balance and interest rate below. Then try a rate just 0.5% lower and watch what happens to your repayments.

💡 Like What You See?

Outcomes like these are achievable, subject to eligibility and individual circumstances. Scroll down to see how easy the process actually is, and request your complimentary personalised assessment.

Now Imagine... What Would You Do With That Extra Money?

🏖️

That Family Holiday

$200/month saved = $2,400/year. Enough for an annual family getaway you've been putting off.

🎓

Kids' Education Fund

Redirect savings into your children's future — tutoring, activities, or a university fund that grows over time.

🏡

Pay Off Your Home Faster

Keep your repayments the same at the lower rate and you could pay off your loan years earlier.

💰

Build a Safety Net

An emergency fund gives you peace of mind. Start building it with the money you're currently giving to your bank.

🚗

Upgrade Without Debt

Save for that car, renovation, or appliance upgrade without adding more debt to your plate.

😌

Simply Breathe Easier

Less financial pressure each month means less stress, better sleep, and more room to enjoy life.

We Hear You — Refinancing Sounds Like a Hassle

These are the most common reasons people don't look into refinancing. Sound familiar?

⏰

"I don't have time for all that paperwork"

You don't need to. Multiple major lenders now offer streamlined refinance processes with significantly reduced paperwork.

Reality: Many refinances require less docs than you'd expect
😰

"Last time I got a loan it was stressful"

Refinancing is fundamentally different. You already own the property. You already have the loan. It's more like switching your phone plan.

Reality: Your new lender handles most of the transition
🏦

"My bank probably won't let me leave"

They can't stop you. And often, just the threat of leaving is enough for them to offer you a better rate to stay.

Reality: Either way, you win
💸

"Won't refinancing cost me money?"

Some lenders offer cashback on refinance, and many waive application fees. We calculate the total end cost so you only proceed if you're genuinely better off.

Reality: We show you the full picture before you decide
📉

"What if my property value dropped?"

Many lenders have flexible LVR policies. Even if values have shifted, competitive options may still exist. We assess this upfront.

Reality: We check this before you commit to anything
🤷

"I don't even know where to start"

That's literally why we exist. You share your basic details, and we do all the searching, comparing, and recommending.

Reality: You start by filling in one simple form below

What Most People Don't Realise About Refinancing

Refinancing is not the same as getting a new home loan. You already have the loan. You already own the property. The only question is: is there a better option available to you?

That's it. Two questions we can answer for you — at no cost and no obligation:

  • Do better options exist for your situation?
  • Are you eligible for them?

And here's the thing — even if you decide not to refinance, you walk away knowing your current deal is competitive. That peace of mind is worth the 5 minutes it takes to enquire.

Did you know that existing borrowers often pay more than new customers at the same lender? Read why loyal borrowers pay more →

Happy family discovering savings

Modern Refinancing Is Easier Than You Think

Major lenders have invested heavily in making refinancing simpler and faster. Here's what's available through our lender panel:

Simplified Process

Streamlined Refinance Applications

Select lenders offer simplified refinance processes where income verification documents are not required. Your existing repayment history is used as evidence of your ability to repay — meaning significantly less paperwork for you.

Easier Qualification

Reduced Buffer Rate Assessment

Some lenders apply a reduced interest rate buffer of just 1% (instead of the standard 3%) for refinance serviceability assessment. This means more borrowers can qualify — even if a standard assessment said otherwise.

Less Paperwork

No Account Scrutiny Required

Qualifying refinance applications at select lenders don't require 3 months of bank statements or standard account scrutiny. Your declared expenses are accepted, and CCR (Comprehensive Credit Reporting) data is used instead.

Fast Turnaround

Priority Processing for Refinances

As accredited brokers with priority status at multiple major lenders, we often secure faster processing times for refinance applications — sometimes just 2–3 weeks from application to settlement.

📊 Real Numbers: What Refinancing Could Save You

Here are example scenarios based on common loan sizes. Your actual savings may be higher or lower.

ScenarioLoan BalanceRate ReductionMonthly SavingAnnual Saving30-Year Saving
Modest$400,0006.5% → 6.0%$131$1,576$23,226
Typical$600,0006.5% → 6.0%$197$2,364$34,839
Higher Balance$800,0006.5% → 5.8%$355$4,257$62,256
💰 Big Win$1,000,0006.5% → 5.5%$596$7,147$104,424

Common Refinancing Costs

Cost ItemTypical RangeNotes
Discharge fee (old lender)$150 – $400One-off fee to close your existing loan
Application fee (new lender)$0 – $600Many lenders waive this for refinances
Valuation fee$0 – $300Often waived or covered by new lender
Settlement/legal fee$200 – $500Conveyancing for the transfer
Break cost (fixed loans only)VariesOnly applies if you're on a fixed rate — we calculate this for you
Typical Total Cost$350 – $1,500Often recovered within 2–3 months of savings

Figures are indicative only and based on example calculations. Your actual savings and costs depend on your specific loan, lender, and circumstances. We provide a detailed cost–benefit analysis before you make any decision.

Don't Decide Now. Just Find Out Your Options.

Here's what we tell every client: you don't need to commit to anything today.

The smartest move is simply to find out what's available to you. Once you know your options — and how much you could save — then you can decide whether it's worth making a change.

Think of it like getting a quote. You wouldn't renovate your kitchen without comparing prices first. Your mortgage deserves the same attention — especially since it's likely your biggest monthly expense.

  • No obligation to proceed — ever
  • No fee for our assessment
  • No pressure from our team
  • Clear numbers so you can make an informed choice
Mortgage broker consulting with clients

How It Works — 3 Simple Steps

From enquiry to decision, here's exactly what happens. No surprises, no hidden steps.

1

📋 Share Your Basic Details

Fill in the form below or book a call. All we need to start is your approximate loan balance, current interest rate, and property value. This takes less than 2 minutes. Our broker will review your situation and contact you — typically within 24 hours.

2

🔍 We Find the Best Options for You

We search across our panel of 30+ lenders to identify the most suitable options available to you. If we find options that could improve your situation, we'll prepare a detailed comparison showing interest rates, fees, features, and total end cost — not just headline rates. You'll see exactly how much you'd save (or not).

3

✅ You Decide — No Pressure, No Obligation

With all the information in front of you, you decide whether it's worth proceeding. Ask us anything. Take your time. If the savings make sense — great, we handle everything from application to settlement. If they don't — no worries. You've gained clarity about your position, and that's valuable too.

🤝 Zero Commitment, Zero Cost — Up to This Point

Whether you decide to proceed or not, our assessment is complimentary. There's no invoice, no fee, and no awkward follow-up calls. You walk away with clear information about your options. That's a win either way.

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Here's a Question Worth Asking...

Between your bank and your mortgage broker — who actually shares your interests?

Your bank earns profit from the interest you pay. The more you pay, the more they earn.

Your mortgage broker earns a trailing commission on your loan. But here's the key — if you refinance away because your broker didn't keep your rate competitive, they lose that commission.

A good broker's job is to make sure you're paying the most competitive rate available — because that's how they keep you as a client. It's a relationship built on keeping you happy, not keeping you paying.

Over 70% of Australians now use a mortgage broker for their home loan — and for good reason.

Couple relaxing at home feeling financially secure

Ready to See What Options Are Available?

Fill in your details below and one of our brokers will review your situation — typically within 24 hours. No obligation, no pressure.

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We've Received Your Details!

One of our brokers will review your situation and be in touch within 24 hours. In the meantime, feel free to use the calculator above to explore different scenarios.

Finance Hub and Networks Pty Ltd | ACN: 644 141 613 | Australian Credit Licence 573164.
Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Subject to lenders' credit criteria, fees and charges will apply. By submitting this form, you consent to Finance Hub contacting you.

📅 Prefer to Book a Time That Suits You?

Choose a convenient time and we'll call you.

Frequently Asked Questions

How much does it cost to use Finance Hub's refinancing service?
Our assessment and comparison service is provided at no cost to you. If you proceed with refinancing, the new lender pays us a commission — similar to how real estate agents are paid by the seller, not the buyer. You will never receive an invoice from us for our broker services.
Will refinancing affect my credit score?
A formal credit application will result in a credit enquiry on your file, which may temporarily affect your score by a few points. However, our initial assessment and comparison does not require a credit check — we only proceed to a formal application if you decide to go ahead, and we explain the process clearly beforehand.
How long does the refinance process take?
From application to settlement, most refinances take between 2 to 6 weeks depending on the lender and your circumstances. Some lenders offer streamlined refinance processes that can be even faster. During this time, your existing loan continues as normal — there's no gap in your mortgage.
What if my property value has dropped since I bought it?
Property values fluctuate, but many lenders have flexible LVR (Loan-to-Value Ratio) policies. Even if your property value has decreased, there may still be competitive options available. Our brokers assess this as part of the review and will only recommend options that make financial sense for your situation.
What is a streamlined or simplified refinance?
Several major lenders now offer streamlined refinance processes that reduce paperwork requirements. These typically don't require income verification documents — instead, your existing repayment history is used as evidence of ability to repay. Some lenders also apply a reduced interest rate buffer (as low as 1% instead of the standard 3%) for serviceability assessment, making it easier to qualify. Your broker can advise which streamlined options you may be eligible for.
Can I refinance if I'm self-employed?
Yes. Several lenders specialise in self-employed borrowers and can assess income differently from the major banks. We work with over 30 lenders, many of whom have flexible income verification policies for business owners, including low-doc options for qualifying applicants.
What if I have a fixed rate loan — should I wait?
If you're currently on a fixed rate, there may be break costs (early exit fees) to consider. We calculate whether the potential savings outweigh these costs before recommending any action. In many cases, it's worth waiting until the fixed period ends — and we can prepare your options in advance so you're ready to switch immediately when the time comes.
What documents will I need to provide?
Initially, just your basic loan details — your current balance, interest rate, and an estimate of your property value. If we identify better options and you'd like to proceed, we typically need: recent payslips or tax returns (for self-employed), bank statements (usually available digitally), and your current loan statement. For streamlined refinance processes at qualifying lenders, even less documentation may be required.
Will my old bank try to keep me?
Often, yes — and that's actually a positive outcome for you. When we present competing offers, many lenders will counter with a retention discount. If their counter-offer is competitive enough, you may not need to refinance at all. Either way, you end up with a better deal than where you started.
Is there really no obligation if I enquire?
Absolutely none. We provide a complimentary assessment showing what options are available to you. If you decide the savings aren't worth it, or your current rate is already competitive, you don't owe us anything. There's no fee, no obligation, and no pressure. Many clients use our service simply to confirm they're on a good deal — and that peace of mind is valuable too.

Your Mortgage Is Probably Your Biggest Expense. Shouldn't You Know If There's a Better Deal?

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