Home Home loans Refinancers

Refinance mortgage broker

If your loan hasn't been reviewed in a while, there's a fair chance a better rate or structure is available. We compare your current loan against a panel of more than 40 lenders, including non-bank options, and only recommend a switch if the numbers stack up. You never pay us a fee.

I want to refinance Book a chat

Questions you might be asking

Is my rate still competitive?

We compare your current rate and fees against our panel and tell you honestly whether it's worth switching.

Will I save after the switching costs?

We include discharge, break and application fees in the comparison, so you see the real saving.

Can I access equity?

If your home is worth more than you owe, you may be able to release equity for renovations, investing or other goals.

Should I fix my rate?

It depends on how much certainty you want and whether you need flexibility for extra repayments. A split loan gives you some of both.

Can I refinance if my circumstances have changed?

Often, yes. Some lenders assess refinances with a reduced serviceability buffer if your repayments have been on time.

Can I consolidate other debts?

Rolling debts into your home loan can lower repayments, but it can cost more over time. We'll show you both sides.

Your options when you refinance

Ask your lender for a better rate

Sometimes a better deal is available from your current lender. We'll help you ask for it.

Switch loans with your current lender

Move to a different product with the same lender, often with less paperwork.

Move to a new lender

Switch to a lender that offers a better rate, features or structure for your situation.

Loan options we can look at

Every option depends on your situation and each lender's criteria. We'll tell you which ones fit before you apply.

Rate review

A free review of your rate, fees and loan features against our panel.

Equity release

Release equity for renovations, investing or other goals.

Debt consolidation

Roll other debts into your home loan, with the long-term cost shown clearly.

Offset and split loans

Restructure your loan with an offset account or a fixed and variable split.

Reduced-buffer refinance

Some lenders on our panel assess refinances with a lower serviceability buffer for borrowers with a good repayment history.

Non-bank lenders

Non-bank lenders on our panel can help when a bank won't, for example with self-employed income.

How it works

Step 1
Talk it through
A free, no obligation chat about where you are and what you want to do.
Step 2
Compare the options
We compare lenders across our panel and explain each option in plain English.
Step 3
Apply
We prepare and lodge your application and keep you updated at every stage.
Step 4
Settle
We stay with you through to settlement day.

Common questions

Does it cost anything to refinance with Vitara Finance?

Vitara Finance doesn't charge you a fee. Your current lender may charge discharge or break fees, and we include those in the comparison so you see the real saving.

How long does a refinance take?

Often a few weeks from application to settlement, depending on the lender and how quickly documents come through. We keep you updated at each stage.

This is general information only and doesn't take your objectives, financial situation or needs into account. Lending criteria, fees and charges apply. Vitara Finance Pty Ltd, ABN 67 912 182 576. Credit Representative 580892 is authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328.