Buy or Refinance

Buy your next home — or sharpen the one you already own.

Whether you’re stepping up, downsizing, or refinancing, we’ll find you a better-fitting loan across 40+ lenders. No fee to you.

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Is this you?

Who this path is for.

You’re buying your next home

And you’d like a broker to do the lender-shop for you.

You’re refinancing

You suspect your current rate is no longer the sharpest one available.

You’re restructuring

Splitting fixed and variable, adding an offset, or consolidating debts into your home loan.

End-to-end

What we’ll handle for you.

  • A full lender-panel comparison (40+ lenders) so you see the real range of options, not just one bank’s pitch.
  • Pre-approval prep — documents, payslips, statements, the lot. We tell you exactly what to send and chase nothing twice.
  • Negotiation on rates and ongoing fees with your existing lender first (the cheapest refinance is sometimes no refinance).
  • Loan structuring — offset accounts, redraw, splits, fixed-vs-variable mix. Trade-offs explained in plain English.
  • Settlement coordination with your conveyancer, real estate agent, and the new lender.
  • Annual review after settlement — markets move, your loan should keep up.
A mortgage broker working at a desk reviewing loan paperwork

FAQ

Common questions.

It depends on three things: the rate you’re on, the rate available, and any switching costs. Often we’ll call your current bank first and try to negotiate down — if they match, great, no refinance needed. If they don’t, refinancing usually pays for itself in 4–8 months on a typical loan.

Discharge fee from your old lender (often $250–$400), and any application/valuation fees on the new one (often waived as a refinance offer). Stamp duty is generally not payable on a refinance of the same loan amount and same names. We’ll line up the full figure before you commit.

An offset is a transaction account linked to your home loan — every dollar in it reduces the interest you pay. If you usually carry $10–$20k in cash, it’s almost always worth it. If your savings sit in a high-interest account, the math gets closer.

Sometimes — it’s called a debt consolidation refinance and it can dramatically reduce monthly payments. But it stretches the debt over 25–30 years, so the total interest cost can rise. We’ll show you the numbers both ways.

Most refinances settle within 3–4 weeks of submission. The slow steps are valuation and discharge from the old lender — both outside our control, but we chase both daily.
Talk to Akshay about your refinance

Run a Number

Quick borrowing estimate.

Enter your income and deposit. We’ll show you a target purchase price.

Open the full calculator
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Result
Enter your numbers

Estimates only. Actual borrowing capacity, repayments, and stamp duty depend on the lender, your circumstances, and current rates. Talk to Akshay for a personalised assessment.

Real client outcome Placeholder

A recent refinance, in numbers.

The brief

Couple in Coburg, two properties — owner-occupier + one investment. Both loans with the same big-four bank, both on rates 0.45–0.55% above the market.

The outcome

Refinanced both to a second-tier bank with a sharp variable rate. Saved ~$8,400 in year one. Restructured the investment loan to interest-only on advice from their accountant.

Time taken

26 days from first chat to dual settlement.

Other paths we help with

First Home Buyer Buy an Investment Buying Land

Three ways forward

Ready to compare 40+ lenders?

Book a Chat Run the Numbers Call Akshay