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Refinance my home loan

Looking to get a better deal and save money? In today’s competitive market, the loan you currently have may no longer be the right one. We will do the shopping around for you and find the right loan which will help you save money and repay your home loan faster.

Refinance my home loan
Should you refinance your loan?

With interest rates continuing to increase and cost of living pressures on the rise, your current home loan may not be offering you the best value or be the most suitable for your current needs. Refinancing involves paying out your current loan and taking out a new one, either with your existing lender or a new lender. The new home loan may come with a lower interest rate which will lower your repayments, giving you more disposable income or enable you to make extra repayments so you will be able to own your home sooner. The benefits of refinancing are not just limited to lowering your repayments and saving you money over time but also offer features and benefits that you may not have had with your previous loan.

Refinance Benefits
Lower my interest rate
Consolidate Debt
Access to equity
Change my loan structure and feature

Looking for a better deal on your home loan? Refinancing your existing loan to another lender or negotiating a better deal with your current lender can help you save money. With more than 40 lenders on our panel, we can help you navigate the many products on the market and find the best deal for your unique circumstances

Take an Advantage of Cashback Rebate

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The cashback rebate offer may be subject to specific terms and conditions, including eligibility criteria, such as minimum loan amount or LVR.

Things to consider when refinancing

Refinancing your home loan can potentially save you a lot of money on interest and fees, but it's important to carefully consider your options before making any decisions. Here are some factors to keep in mind when refinancing:

Interest rates

Compare the interest rates offered by different lenders to see if you can find a better deal than your current home loan. Keep in mind that a lower interest rate may also mean lower monthly repayments, but you may end up paying more over the life of the loan if the term is extended.


Some lenders may charge fees for refinancing, including exit fees from your current loan and application fees for the new loan. Make sure you understand all the fees involved and calculate whether the savings from a lower interest rate are worth the cost of refinancing.

Loan features

Consider whether the new loan offers features that are important to you, such as an offset account or redraw facility. These can help you save money on interest and make it easier to manage your finances.

Loan term

If you're considering refinancing to a loan with a longer term, keep in mind that you may end up paying more interest over the life of the loan, even if the monthly repayments are lower.

Your financial situation

Refinancing may not be the best option if you're experiencing financial difficulties or have recently lost your job. Make sure you can comfortably afford the new loan repayments and factor in any potential changes to your income or expenses.

Equity in your home

If you have built up equity in your home, you may be able to use this to negotiate a better interest rate or to borrow additional funds for renovations or other expenses.

Lastest Refinance tips and articles
What our customer says about us
What our customer says about us
I have been with Ivy for 10 years. Ivy always exceeds my expectation and makes me feel my needs are a priority. Her professionalism and knowledge are of an extremely high standard and the communication and efficiency throughout the whole process was above and beyond. More than happy with the service from Ivy and Smart Mortgage and would not hesitate to recommend their services to others.
Yin Zhu
Onsite Manager of Rosewood Heights
My family uses Smart Mortgage to assist with the purchase of our home, investment, properties and commercial lending. Ben Ou, the Manager Director and his team are very experience and have always made our loan processes easy. I would highly recommend Smart Mortgage to my friends and clients who require finance for their properties. I am confident that the Smart Mortgage’s team will look after the customer’s best interests.
Simon Au
RE/MAX Number 1 Sales Team
Having worked with Angela for over 10 years, she has always been very professional and always puts my needs and interests first. Her work ethic is excellent and I trust in her abilities to always provide me with honest advice to help me reach my financial goals. My husband and I have several home and commercial properties with Smart Mortgage and I would highly recommend them to anyone who is looking for a company who truly puts your interests first.
Anh Pham
Manager at Queensland Soy Factory
I have dealt with Smart Mortgage for many years. There have been a few properties I have bought and sold over this period. Angela Duong is the person I have dealt with for my home loans. I have known Angela for over 10 years and have always found her and the staff at Smart Mortgage to provide outstanding services. Buying and selling houses are some of the most stressful things a person can go through in life. Knowing that Smart Mortgage are very professional and committed to the complete process from start to finish is a great relief.
Anne Poulton
Property Buyer
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