Refinancing Home Loans Sydney
Stop overpaying on your mortgage. We compare over 50 lenders to find you a better rate, lower repayments, or unlock equity for your next investment.
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Why Choose Simplify Finance for Refinancing?
At Simplify Finance, we believe that finding the right loan should be simple, transparent, and stress-free. Led by Fabio De Castro — ranked in the Top 20 out of 19,000 mortgage brokers nationally — our team brings over 15 years of experience and access to more than 50 lenders to every client conversation. We do not charge you a cent for our service; we are paid by the lender, which means you receive expert, unbiased advice at no cost.
Lower Your Interest Rate
Even a small rate reduction can save you tens of thousands over the life of your loan. We negotiate with lenders to secure the most competitive rates.
Unlock Your Home Equity
Access the equity in your property for renovations, investments, or debt consolidation without selling your home.
Consolidate Debts
Combine high-interest credit cards, personal loans, and car loans into your mortgage at a much lower interest rate.
Free Health Check
Not sure if refinancing is right for you? We provide a free home loan health check to compare your current loan against the market.
Frequently Asked Questions
When should I consider refinancing?
You should consider refinancing if your current interest rate is more than 0.5% above market rates, your fixed rate period is ending, you want to access equity, or your financial situation has changed. We recommend reviewing your home loan annually.
How much does it cost to refinance?
Refinancing costs typically include discharge fees ($150-$400), government registration fees ($150-$300), and potentially break costs if on a fixed rate. Many lenders offer cashback deals of $2,000-$4,000 that can offset these costs.
Will refinancing affect my credit score?
A refinancing application involves a credit check which may cause a small temporary dip. However, if refinancing results in lower repayments and better debt management, it can improve your credit profile over time.
Can I refinance if I am self-employed?
Yes, self-employed borrowers can refinance. Lenders typically require two years of tax returns, though some accept one year. We also have access to low doc loan options for self-employed borrowers.
How long does refinancing take?
A standard refinance typically takes 2-4 weeks from application to settlement. We handle the entire process including paperwork, lender communication, and settlement coordination.
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