Refinancing - Taking care of all your loan needs and property goals.

Refinance your Loan

Take advantage of better rates on the market and start saving

5.0

from 79 Reviews

We're here to help you Refinance your Home Loan or Investment Loan

Refinancing your home loan can be a strategic move to improve your financial situation, whether you're in Point Cook, Victoria, or anywhere across Australia. At Relax Home Loans, we understand the importance of finding the right loan to suit your needs. By refinancing, you can access loan options from banks and lenders across Australia that may offer more favourable terms. Whether your fixed rate period is ending or you're looking to release equity in your property, our team is here to help you make informed decisions that align with your goals.

Considering refinancing involves evaluating your current loan terms and comparing them with better loan options available in the market. One of the primary reasons homeowners choose to refinance is to secure a lower interest rate. With access to banks and lenders nationwide, Relax Home Loans can help you find a variable interest rate or a new fixed interest rate that lowers your monthly repayments. By reducing loan repayments, you can free up cash flow for other priorities.

Releasing equity in your property is another compelling reason to refinance. This process allows you to access the increased value of your home, providing funds for various purposes such as home improvements, investing, or even buying your next property. Our team can guide you through a streamlined application process, ensuring that you have all necessary documents such as bank statements prepared and that you understand any implications for your loan amount and credit history.

For those with multiple debts, refinancing can also be an effective way to consolidate debts. By combining various loans into one manageable payment, you can simplify your finances and potentially reduce the overall interest you pay. Changing your loan term during refinancing offers another opportunity for financial optimisation. Whether you wish to extend the term to reduce monthly payments or shorten it to pay off your mortgage faster, we can assist in finding a solution that suits your needs.

Additionally, refinancing may help you check eligibility for special lender policies that could offer further benefits. Our expert brokers will work with you to understand these opportunities and assist you in accessing a lower interest rate or other advantageous terms. With refinance interest rates fluctuating, it's essential to stay informed about the current market trends to ensure you're making the most beneficial decision.

At Relax Home Loans, we are dedicated to providing personalised service and expert advice for all your refinancing needs. By working closely with our clients, we aim to simplify the complexities of refinancing and help you achieve financial peace of mind. Whether you're looking to release equity to buy the next property or consolidate debts for easier management, our team is here to support you every step of the way.

If you're considering refinancing your home loan, now is the time to explore your options with confidence. Contact Relax Home Loans today to discuss how we can help you access loan options from banks and lenders across Australia that fit your unique requirements. Let us assist you in securing the best possible terms for your financial future.

Our Recent Reviews

I can’t recommend Steve and his team highly enough! From start to finish, they were absolutely amazing. Steve was so easy to talk to, always available to answer any questions (no matter how small), and kept me informed every step of the way. He made what could have been a stressful process feel smooth and straightforward. He also got me a great deal and made sure I fully understood all my options. It’s rare to find someone so genuinely helpful and kind in this space. I’m super happy with the whole experience! Thank you, Steve and team!

Tayla Kelly

As a first-time buyer, I wasn’t sure what to expect, but Steve made the whole experience so much easier and less stressful. He was patient, clear, and always took the time to explain things in a way I could understand. I never felt rushed or confused—just fully supported throughout the entire process. He also secured me a excellent rate, which I’m so grateful for. Steve and his team were fantastic—professional, efficient, and incredibly helpful throughout. I also want to mention Danniella, who was amazing at keeping me updated every step of the way. She was always on top of things and kept me fully informed, which gave me real peace of mind throughout the process. A huge thank you to both Steve and Danniella! I would 100% recommend them!

Q S

As a first-time buyer, I wasn’t sure what to expect, but Steve made the whole experience so much easier and less stressful. He was patient, clear, and always took the time to explain things in a way I could understand. I never felt rushed or confused—just fully supported throughout the entire process. He also secured me a excellent rate, which I’m so grateful for. Steve and his team were fantastic—professional, efficient, and incredibly helpful throughout. I also want to mention Daniella, who was amazing at keeping me updated every step of the way. She was always on top of things and kept me fully informed, which gave me real peace of mind throughout the process. A huge thank you to both Steve and Daniella! I would 100% recommend them!

Que S

The name is not wrong......Steve and Danniella are an amazing team. With our family growing from 4 to 5, we found ourselves needing a bigger home and needing a bridging loan. Prior to speaking with Steve about it, even the thought about it ...

Linda Moore

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Is it cheaper to refinance with a bank?

Working with a local mortgage broker can help you secure a better home loan with lower interest rates or minimal fees. While we can evaluate loan options from different lenders for you, refinancing with the bank means that you only have access to a limited set of options from one lender.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.