Refinance Your Home Loan with Confidence
If it’s been more than a couple of years since you reviewed your home loan, there’s a good chance you could be paying more than you need to. At Loans360, we specialise in home loan refinancing helping clients reduce interest rates, lower monthly repayments, and access better loan features.
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Why Refinance Your Home Loan?
Lower Your Interest Rate
Even a small reduction in your rate can save you thousands over the life of your loan.
Switch to a Better Loan
Upgrade to a home loan with features like offset accounts, redraw, or flexible repayment options.
Consolidate Debts
Roll high-interest debts (like credit cards) into your mortgage to simplify and save.
Access Equity for Renovations
Use built-up equity to renovate, invest, or cover major expenses.
Our Refinance Process is Simple and Straightforward
- We Review Your Current Loan
Our broker will assess your existing mortgage and financial goals.
- We Compare Lenders & Offers
With access to a broad panel of banks and lenders, we find the most competitive refinance options to suit your needs.
- We Handle the Switch
We’ll guide you through the refinancing process, take care of the paperwork, and ensure a smooth transition.
When Should You Refinance?
Refinancing can be a smart financial move, but it’s important to know when the time is right. Here are some key indicators:
Your fixed rate is ending
Consider refinancing before your rate reverts to a potentially higher variable rate.
You’ve had your loan for more than 2 years
Lenders often have better deals for established borrowers, refinancing could lower your rate.
Your property value has increased
Refinancing can help you leverage equity for renovations, investments, or lower LVR benefits.
Your financial situation has changed
Changed jobs, income, or expenses? Refinancing could better align your loan with your lifestyle.
You want to access equity or consolidate debt
Use available equity to reduce high-interest debts or fund goals like renovations or investing.
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Refinance with Loans360-The Smarter Way to Borrow
Talk to us today
Whether you want to save money, pay off your loan faster, or require cash for something new, we’re here to help you make it happen, stress-free and fast.
What are the advantages is of refinancing your loan?
Lower your interest rate
Interest rates can fluctuate over time. Is your current rate still competitive? If you have a variable loan or a fixed-rate loan that is nearing expiration, you might have the opportunity to negotiate a better deal or switch to a lender offering a lower rate.
More features, more options
Home loans aren’t all the same, each comes with different features and benefits. Moving to a loan that allows extra repayments, offers an offset account, or has redraw options could help you save in the long run. On the other hand, if you’re not using these features, simplifying your loan to a basic option could reduce your fees.
Combine your debts
If you have multiple debts, like personal loans, car loans, or credit cards, you could consolidate them into your home loan. This approach simplifies your payments into one and may lower your overall interest costs. Evaluating factors such as fees and repayments helps determine if this option fits your financial situation.
Unlock funds for your projects
If you’re planning a home renovation, car upgrade, or any other project, refinancing could give you access to additional funds. By using the equity you’ve built in your property, you might be able to secure financing to support your plans.
Rated 5 out of 5 stars by our customers!
At Loans360, we’re more than just mortgage brokers - we’re your trusted partners every step of the way. From your first consultation to annual reviews long after your settlement, we’re dedicated to providing personalized service and building relationships that last.We know choosing the right mortgage broker is a big decision. Don’t just take our word for it - hear from hundreds of our happy clients through their genuine Google reviews. You can be confident you’re in the right hands with Loans360.
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Nishi has always been great at what she does! She has saved us 1000s of dollars in the last few years. She is very responsive and great to work with! Highly recommend her.
2 months ago
Nishi made our refinancing a very easy, stress-free process. Communication was 100% always there to answer any questions and contacted us straight away with all updates. It was a pleasure working with Nishi with our finances, definitely were in good hands ! 👏❤️
6 months ago
Nishi is an awesome broker , her attention to details , honest and quick feedback is impressive . She works hard for her clients and always looks for the deal the will work for you. So far she helped me and many of my family and friends with home loans and recently my car loan 😊 they all speak highly of her too . she is our one and only , thank you Nishi 👌
4 months ago
Nishi has been a massive help in not only making the process of buying my first house as clear and convenient as possible, but also served as a great and accessible contact to assist in explaining all the stages and terminology that I was not familiar with.
6 months ago
Nishi was an absolute joy to work with from start to finish. Her absolute professionalism, friendlines, diligence and unwavering support made the process of buying our home so much easier and straightforward - it really took so much of the stress away from the process for us. She is always available if you have any questions, her responsiveness is impressive and her expertise is invaluable. Thank you so much, Nishi, for all of your support - we couldnt have done it without you!
7 months ago
Nishi is a great reassuring help when entering into the industry for the first time. Nishi was extremely passionate, educational and prompt in all of her documentation and advice that she provided. She went above and beyond to ensure I felt comfortable and was making the best decision to benefit my own personal circumstances. Nishi was never judgemental and encouraged questioning to ensure clarity and understanding was reciprocated. Thank you Nishi for your assistance. I am positive to be dealing with Nishi again in the near future!!
4 months ago
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