Refinancing
Your Home Loan
We guide you every step of the way so that you can get a better rate for your home loan sooner.
- Personal loan advice
- 1-1 broker time to answer any questions
- We find the best deal from over 35 National Leading Lenders
- Access to network of conveyancers, insurance providers and property partners to make your purchase even easier
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Refinance Your Loan With The Right Strategy
Refinancing is one of the most important thing to do when you have a home loan.
Refinancing can be a great strategy for using your home loan to help you get ahead financially. But changing lenders often come with fees and upfront costs, so it’s important you get it right
Prime Loans can help you:
- Reduce your mortgage repayments
- Get access to funds so that you can buy an investment property
- Get access to funds to upgrade / renovate your house
- Improve your finances
Learn throughout your journey with Prime Loans
Access helpful guidance, tips, and support to make informed financial decisions at every stage.
The Power of Equity
Interest Rate Differences
Refinancing Process
We work with the largest panel of lenders in the country
We negotiate better rates with more than 35 lenders for you.
Thinking About Refinancing? Let’s Review Your Options
Refinancing can help reduce your repayments, access equity, or improve your loan structure.
We’ll assess your current loan, compare options across multiple lenders, and guide you through the process so you can make the right move for your situation.
Access to 35+ Lenders
Personalised Broker Advice
Fast Approvals & Competitive Rates
Trusted by Clients Across Australia
Our clients choose Prime Loans because we simplify the loan process, provide honest advice, and deliver real results.
Frequently Asked Questions
What is the purpose of refinancing?
The main purpose of refinancing is to:
- Reduce your current interest rate thus your ongoing loan repayments
- Extract the equity out of your home (or in simple terms the money you have made over time as house prices has increased)
- Change the type of loan you currently have in place e.g. interest only vs principle and interest
How often should I refinance?
Refinancing should be done annually to ensure you are paying the lowest rates / the product that is better suited as your circumstances change.
How long does it take to refinance my home loan?
Loans can be approved in a few weeks although there are a number of factors that may extend this time such as your availability to provide supporting documents and the number of requests currently with the lender.
Why is refinancing important?
Whether you are looking to reduce the interest rate, change the loan type or even extract the equity for genuine reasons, refinancing can simply better your financial position. E.g. pay less monthly repayments or put your equity money into something that will have a return on investment such as home renovations.
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