Refinancing
Is your current home loan still working for you?
A home loan that suited you several years ago may no longer be competitive or aligned with what you need today.
Ross can review your current loan, understand what you are hoping to improve and compare suitable alternatives from the available lender panel. The aim is to determine whether refinancing is genuinely worthwhile after considering rates, fees, features and the longer-term effect.
Who this may suit
A conversation shaped around where you are now.
Homeowners reviewing their current rate or features
Borrowers whose circumstances or plans have changed
People considering a different loan structure
How Ross can help
Reasons people consider refinancing
Clear information can help you understand the lending considerations, available options and practical steps relevant to your plans.
Seeking a more competitive interest rate
Accessing more suitable loan features
Reviewing an offset or redraw arrangement
Consolidating eligible debts
Accessing equity for an appropriate purpose
Restructuring a loan
Preparing for a renovation or future property purchase
Important to consider
A lower advertised rate does not always mean refinancing will leave you better off. Application costs, discharge fees, loan term, features and the total interest payable should also be considered.
A simple process
Clear steps, with Ross beside you.
- 01
Review the existing loan
- 02
Understand the reason for refinancing
- 03
Compare suitable alternatives
- 04
Consider costs and potential benefits
- 05
Complete the application if proceeding
- 06
Support through discharge and settlement
Frequently asked questions
Helpful things to understand.
Related tools and guidance
Continue your planning
A conversation is a good place to start
Not sure what your next step should be?
Book a relaxed initial conversation with Ross to discuss what you are planning and what information may be helpful.