We compare 30+ lenders to find a sharper rate on your home loan. Most clients save $400–$900 per month. Free, no-obligation assessment — takes 2 minutes.
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2 minutes · No credit check required
From first conversation to settlement in 3–4 weeks. We handle everything.
Fill in the quick form above. Takes 2 minutes, no credit check, and no obligation. We need the basics to get started.
Your broker searches the full panel — big banks, credit unions, and non-bank lenders most people don't know about.
Application, lender liaison, settlement coordination. You sign the paperwork. We do the rest.
Going direct to your bank is the most expensive option. Here is why.
Your bank shows you one set of rates. We show you thirty. The best deal rarely comes from the lender you already have.
Our legal obligation is to find the best outcome for you — not to meet a lender's sales targets or protect a branch relationship.
In most cases the lender pays our fee, not you. We disclose all commissions upfront — no hidden costs, no surprises.
From application to settlement we manage the process end-to-end. Most clients spend less than 2 hours total on paperwork.
The average Australian mortgage holder saves $590/month after refinancing with us. Use the sliders to estimate your savings.
Indicative only. Subject to lender assessment. Comparison rates on request.
"We were paying 6.9% with our bank for 3 years. GoRefinance moved us to 5.74% in under 4 weeks. We're saving $710 a month — that's a holiday every year."
"I had no idea how easy refinancing could be. My broker did absolutely everything. I just signed a few forms. Saving $540 a month now."
"As an investor with three properties, I needed someone who understood complexity. GoRefinance restructured all three loans and saved me over $1,200 a month combined."
26 cities and suburbs covered. 100% remote — no in-person meetings ever needed.
The right time is when the gap between your current rate and the best available market rate exceeds 0.5% — accounting for switching costs. Other strong triggers: your fixed rate period is ending, your LVR has dropped below 80%, or you have not reviewed your rate in 18+ months. In 2025, with the RBA cutting rates, many borrowers find themselves 0.8–1.1% above current market rates without realising it.
A single credit enquiry when you apply typically reduces your score by 5–20 points — recovered within 3–6 months of regular repayments. Multiple applications in quick succession cause more damage. Using a broker who submits one well-targeted application (rather than you applying to five lenders yourself) minimises credit impact significantly.
Total switching costs typically run $800–$1,500. This includes your current lender's discharge fee ($150–$400), valuation ($0–$400, often waived by competitive lenders), and new lender application fees ($0–$600). Most borrowers recover these costs within 2–4 months of improved repayments. We provide a full cost-benefit analysis before you commit to anything.
From first contact to settlement typically takes 3–5 weeks: broker assessment and lender selection (1–2 days), application preparation (2–3 days), lender assessment (5–15 days), and settlement (3–7 days). Having your payslips, tax returns, rates notice, and 3 months of bank statements ready at first contact shortens this by up to a week.
In most cases, yes — the lender pays our commission when your loan settles. We fully disclose all commissions upfront as required by ASIC's Best Interests Duty. There is no fee charged to you in the majority of refinancing scenarios. We confirm this at the start of every engagement.
Free, no-obligation assessment. Most clients get a response within 2 hours.
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