Refinance & consolidation

People choose to refinance for various reasons. Since lenders often don’t offer loyalty rewards, it’s wise to periodically review your loan to see if a better option is available. Some potential benefits of refinancing include:
Lock in lower rates
Interest rates fluctuate regularly—are you still getting a competitive deal? If you're on a variable rate or your fixed rate is about to expire, you might be able to negotiate a better rate with your current lender or find a new one offering more favorable terms.
More features, more flexibility
Not all home loans are created equal. Different loans come with various features and options. Switching to a loan with more flexibility—like the ability to make extra repayments, an offset account, or a redraw facility—could help you save money over time. Alternatively, if you don’t need those extra features, choosing a simpler loan could reduce your fees.
Simplify your debt
If you're juggling multiple debts, such as personal loans, car loans, or credit card balances, consolidating them into your home loan could make managing payments easier. By consolidating, you may also lower your overall interest costs. We’ll evaluate all factors—including fees and repayments—to determine if debt consolidation is the right choice for you.
Access Funds for Your Goals
Planning a renovation, upgrading your car, or starting a new project? If you've built up equity in your home, refinancing could provide the extra funds you need to bring those plans to life.