Our Services

Refinancing

It might be time to review your loan.

✓ No fee in most cases|✓ 30+ lender panel|✓ Investment & Bridging specialists|✓ NSW · QLD · VIC · Australia-wide|✓ Legally obliged to act in your best interests

How We Can Help

Refinancing with LoanBuddy

If you haven't reviewed your home loan in the last two years, there's a very good chance you're paying too much. We compare your current loan against 30+ lenders and help you switch to a better deal — often saving thousands per year.

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Enquire about Refinancing

Refinancing

What we can help you with

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Rate Comparison

We compare your current rate against 30+ lenders.

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Cashback Offers

Many lenders offer cashback refinance deals — we find the best.

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Cash Out / Equity Release

Access equity for investment, renovation or other goals.

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Debt Consolidation

Roll higher-interest debts into your mortgage for one repayment.

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Switching Loan Types

Moving from fixed to variable or adding an offset — we handle it.

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No-Cost Assessment

We review your current loan at no charge to you.

Common Scenarios

When refinancing makes sense

Refinancing is not always the right move — but when it is, the savings can be significant. Here are the most common situations.

Your Fixed Rate Period is Ending

When a fixed rate expires you revert to your lender's standard variable rate, which is often much higher than what's available in the market. This is one of the best times to refinance — you avoid break costs and can often lock in a sharp new rate. We contact you before this happens so you're never caught on a rate you didn't choose.

You've Built Up Equity and Want to Access It

If your property has grown in value, you may be able to refinance to access that equity — using it as a deposit for an investment property, funding a renovation, or consolidating other debt. We assess whether the numbers make sense before you commit.

You're Simply Paying Too Much

Lenders offer their best rates to new customers, not loyal ones. If you've been with the same lender for two or more years and haven't renegotiated, there's a strong chance you're overpaying. We compare your current loan against 30+ lenders and tell you exactly what switching would save.

FAQ

Common questions about refinancing

Even a 0.5% rate reduction on a $600,000 loan saves approximately $3,000 per year. We give you a clear comparison before you decide.

Most refinances complete within 2–4 weeks from application. We manage the process end to end.

Every application creates a credit enquiry. We assess your situation before submitting to make sure approval is likely — protecting your credit file.

There may be discharge fees from your current lender (typically $150-$400), government transfer fees, and potentially break costs if you're on a fixed rate. We give you a clear cost-benefit analysis upfront — if refinancing won't save you money, we'll tell you.

If you're close to paying off your loan or have significant break costs on a fixed rate, switching may cost more than it saves. We'll always give you an honest assessment rather than recommending a switch that doesn't make financial sense.

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