Elevate Your Equity - Unlock Exclusive Refinance Rates.
Unlock exclusive mortgage rates and save thousands—without the hassle.
Exclusive Lender Network
Get access to premium rates and tailored loan options.
Fast, Effortless Process
Our experts handle the heavy lifting so you don’t have to.
Rates Can Change at Any Moment—Lock in Your Savings Today.
Save More, Sooner – Potentially shave years off your mortgage and keep cash in your pocket.
1000s of home loans options across 30+ lenders
Our brokers will find the best home loan for you, no matter what your situation. Schedule a call now to talk about a low deposit, split loan, construction loan, debt consolidation and more.
We Focus on You, Not the Lender
Our team of salary-based refinance specialists isn’t swayed by commissions or bank incentives. We’re free to recommend the best home loan solutions for your unique needs—no strings attached.
We believe every homeowner deserves transparent advice, total peace of mind, and unbiased support from start to finish.
One Application, Unlimited Possibilities
Submit one application and instantly tap into thousands of loan options from our extensive lender network. Our in-house experts will guide you every step of the way, ensuring you get the perfect fit for your lifestyle and financial goals.
Simple, seamless, and savings-focused—that’s the Home Refinance Guru difference.
Effortless Refinancing Starts Here
Chat with a Guru
We Compare & Negotiate
Finalize & Save
Find the Perfect Loan Fit for Your Financial Goals
Cashbacks & Exclusive Offers
Some lenders roll out limited-time promos—including cashback deals, waived fees, or loyalty perks. We know who’s offering what, so you don’t miss out.
Flexible Deposit Options
Deposits can start from as low as 2% (though budgeting at least 10% is wise to cover government and third-party fees). We’ll help you structure deposits that work for your budget.
Split Loans
Combine a fixed rate with a variable rate for greater control over repayments and potential savings—perfect if you want the best of both worlds.
Guarantor Loans
Accelerate entry into the property market by leveraging a family member’s equity. Avoid high Lenders’ Mortgage Insurance costs and start building your own equity sooner.
Construction & Bridging Loans
Dreaming of a custom-built home or need to buy before selling? Construction and bridging loans provide a seamless way to fund your next move without stress.
Cross-Collateralisation
Secure multiple properties under a single or combined loan structure. This approach can maximize borrowing power and simplify your portfolio management.
Debt Consolidation
Bring high-interest debts under one low-rate mortgage. This strategy not only streamlines repayments but can also drastically reduce your overall interest costs.
Location-Specific Solutions
Rural, off-the-plan, smaller apartment, or unique property? We connect you with lenders that cater to your niche, ensuring the property’s quirks won’t hold you back.
Hear From Real Homeowners
Have questions? We have answers
Got questions about refinancing? We’ve got answers! Browse our FAQs below to learn the basics, understand potential costs, and see how quickly you can start saving. If you don’t see what you’re looking for, feel free to reach out—we’re here to help.
How long does the refinancing process take?
Refinancing typically takes between two and four weeks, depending on how quickly you can provide documentation and how busy the lender is. Our team keeps you informed every step of the way.
Will refinancing cost me anything upfront?
Some loans may have application or valuation fees, and you might encounter break fees if you’re exiting a fixed rate early. We’ll outline any costs before you commit, so there are no surprises.
Do I need perfect credit to refinance?
Not necessarily. Different lenders cater to different credit scores. We work with a wide network of lenders to find an option suited to your financial situation—even if it’s less than perfect.
When do I start seeing savings?
You’ll see the impact as soon as your new loan takes effect, usually within a month of settlement. Many borrowers notice immediate relief in their monthly repayments.
What if my current lender charges a break fee?
We’ll factor any potential break fees into our calculations to help you decide if refinancing still provides a net benefit. Often, the long-term savings can outweigh these costs.
Can I consolidate other debts into my refinance?
Yes, many homeowners choose to roll credit card or personal loan debt into their mortgage to take advantage of lower interest rates. We’ll check if this strategy works for your situation.
How soon can I refinance after my initial loan settlement?
Some lenders might require a minimum time (like six months) on your current loan before refinancing. However, this isn’t a hard rule across all lenders. We’ll advise you based on your loan terms.
Still have questions?
Still unsure about your next steps? Talk to a Refinance Guru and get clear, personalised answers—no strings attached.