Refinancing · Strategic Reset
Refinancing isn't just about a lower rate. It's a strategic reset.
Most people refinance to save on their repayment. Smart investors refinance to restructure their entire finance position. I'll show you the difference.
Last reviewed
Rebecca Tickner
Finance Broker · Maxfin
Sound familiar?
The problems I hear most often.
You're paying rate loyalty tax
Your lender isn't rewarding you for staying. New customers get better rates while existing ones quietly pay more. You might be paying thousands more than you need to.
Your loan structure no longer fits your life
Your circumstances have changed... income, goals, family size. The loan you took out three years ago was built for a different situation.
You want to access equity but don't know how
You've built value in your property. Refinancing could unlock that equity for a renovation, an investment property, or paying down other debt.
How It Works
Five stages. Walked together.
The same client journey from your first call through to settlement... and the loan reviews that follow.
Tap a stage to explore
01.
Discover
- 15-minute discovery call
- Hello Pack lands in your inbox
- Click “Get Started” to begin your Fact Find
02.
Plan
- Your Fact Find returned
- I assess your servicing
- You receive your Game Plan with my recommendation
03.
Apply
- Game Plan signed
- I lodge your application
- We wait... lender may come back with clarifying questions
04.
Approve
- Conditional approval
- Final conditions satisfied (e.g. insurance)
- Formal approval
05.
Settle
- Loan documents signed
- Settlement booked, solicitor takes the lead
- Loan settled!
In Practice
Refinancing isn't about chasing 0.1% off your rate. Done well, it's a chance to restructure your whole position around where you're going next.
Rebecca Tickner
What you get working with me.
Rate reduction that actually sticks
Not just a honeymoon rate that reverts. I'll find you a rate that makes sense for your situation over the long term.
Equity release opportunities
Refinancing is often the right moment to access the equity you've built for your next purchase or renovation.
Debt consolidation analysis
Sometimes rolling higher-interest debt into your mortgage makes sense. I'll show you the maths and the trade-offs honestly.
Feature upgrade
Offset accounts, redraw facilities, portability. Features matter as much as rate if you're actively managing a property portfolio.
No unnecessary break costs
I'll help you understand the break cost of your fixed loan and whether refinancing makes financial sense right now.
The honest advice most brokers skip
Sometimes refinancing isn't worth it. If it doesn't stack up for you, I'll tell you that too.
See what a rate change actually means for your monthly cashflow and over the life of your loan.
RBA rate update · 6 May 2026 applied
Based on Principal & Interest (P&I) repayments
Enter the actual remaining term (1-30 years).
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Enter your loan details to see your potential P&I savings.
Estimate only. Not a credit offer or pre-qualification. Subject to lender criteria, credit assessment, and a full needs analysis. Switching costs (discharge fees, valuation, settlement, new lender establishment) and fixed-rate break costs are not modelled. Break costs in particular can be material on early-fixed-term exits. Get in touch for advice tailored to your situation.
Questions
Frequently asked.
How much does a broker cost?
Generally, nothing. Banks pay me a commission when your loan settles, and it doesn't change your rate or your loan amount one bit. My service costs you nothing, plus you get a lot of support, education and guidance, all in your best interests. No-brainer, right?
Heads up: more complex or strategic work, like developments, house flips, or deals with claw-back risk, may involve an upfront fee. Always disclosed up front.
When is the right time to refinance?
When the savings outweigh the costs. Generally, if you can save 0.5% or more and you're not on a fixed rate with a large break cost, it's worth exploring. I'll run the numbers for your specific situation.
How much does refinancing cost?
Typical costs include discharge fees from your current lender, application fees with the new lender, and (if applicable) break costs on a fixed rate. I'll give you a full cost breakdown before you commit to anything.
Will refinancing affect my credit score?
Every application involves a credit enquiry, which has a small temporary impact. The key is not applying speculatively. I'll only lodge an application when I'm confident it has a strong chance of approval.
Can I refinance if I'm on a fixed rate?
Yes, but you'll likely pay a break cost. Whether that's worth it depends on how much you'd save and how long you have left on the fixed term. I'll calculate the break-even point for you.
Can I access equity when I refinance?
Often yes. If your property has increased in value, you may be able to access that equity as part of the refinance. This requires a property valuation and lender approval.
How long does refinancing take?
Typically 3-6 weeks from application to settlement, depending on the lender. I'll keep you updated throughout and make sure there are no unnecessary delays.
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Written & reviewed by
Rebecca Tickner
Finance Broker, Maxfin · Diploma of Finance & Mortgage Broking Management (FNS50322) · ASIC Credit Rep 571611 · MFAA Member
I built a seven-property portfolio with my partner. I structure clients' finance the same way I run mine.
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