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Services

Refinancing.

We compare your current loan against our lender panel to secure a sharper rate, better features or a structure that suits you now.

Book a free consultation Call 0480 026 588
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How we can help.

Refinancing replaces your current loan with a new one, with your current lender or a different one. Here are the most common reasons our clients refinance.

A sharper rate

Even a small rate cut can save thousands over the life of the loan. We'll check what's available to you.

Best for: Anyone who hasn't reviewed their loan in a year or two.

Repricing with your lender

Sometimes your current lender will match a better offer, saving you the cost of switching.

Best for: Borrowers who are happy with their lender but not their rate.

Better loan features

Move to a loan with an offset account, redraw or more flexible repayments.

Best for: Borrowers with savings or changing needs.

Fixed, variable or split

Choose the mix of certainty and flexibility that suits you today.

Best for: Borrowers whose fixed rate is about to end.

Releasing equity

Refinancing can free up equity for renovations, investing or other goals.

Best for: Owners with equity and a clear plan for it.

Changing your loan term

Shorten the term to pay less interest, or extend it to lower your repayments.

Best for: Borrowers whose income or goals have changed.

Things to consider.

A few things worth weighing up before you decide.

  • Switching costsAllow for discharge fees, application fees and any break costs on a fixed rate.
  • The total cost, not just the rateCompare fees and the loan term as well as the rate. Try the refinance calculator.
  • Your credit fileLenders check your credit history, so it's worth knowing what's on it before you apply.
  • Cashback offersA cashback can be tempting, but the ongoing rate usually matters more over time.

Not sure which option suits you?

Book a free, no-obligation chat. We'll look at your situation and compare options across our lender panel.

Book a free call 0480 026 588

This page provides general information only and doesn't take into account your objectives, financial situation or needs. It isn't credit, tax or financial advice, or an offer of credit. Lender criteria and fees apply and can change. Speak with a Kingdom Capital broker for advice tailored to you.