Refinancing — Stop Paying More Than You Need To

If it's been a couple of years since you reviewed your home loan, there's a good chance you're paying more than you need to. Lenders save their sharpest pricing for new customers, not loyal ones — at no cost to you, we'll check whether you're one of them.

When refinancing makes sense

• You haven't reviewed your rate in 2+ years
• Your fixed term is ending and you're about to roll to a higher variable rate
• You want to access equity for renovations or an investment
• You'd benefit from features like an offset account or a loan split
• You want to consolidate debt into a lower-rate facility

It's not just the rate

A genuinely better refinance accounts for switching costs, loan features, and your plans for the next few years — not just the headline number. Sometimes the smartest move is staying put with a repriced rate we negotiate for you; we'll tell you either way.

The borrowing-power check

Refinancing is a new application, so it's assessed at your rate plus the 3% serviceability buffer. If your circumstances have changed, that affects your options — we'll confirm what's achievable before you commit.

Common questions

Refinancing, wherever you are

We help homeowners across Adelaide and interstate compare refinance options, mostly by phone and video. If you'd rather meet in person, office meetings are by appointment: book a call or appointment.

General information only; not financial or credit advice. Source: APRA. Loanworth Pty Ltd (Credit Representative Number 547934) is a Credit Representative of Connective Credit Services Pty Ltd (Australian Credit Licence 389328).