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Refinance loans

Make sure your loan still works for you.

Your circumstances and the lending market can change. Mortgex helps you review your current loan, compare suitable alternatives and understand whether refinancing may help.

A homeowner comparing refinance-loan options with an adviser

Find the right structure

A refinance structure shaped around your goals.

A lower advertised rate does not always mean a better overall outcome. Fees, loan features, remaining term, break costs and longer-term interest can all affect the result.

We assess your current lending and priorities, explain suitable alternatives in plain language and help you compare the potential benefits against the costs of switching.

Reasons to review your loan

Refinancing for changing needs and priorities.

01

Review your rate

Compare your existing interest rate, fees and features with suitable alternatives.

02

Change loan features

Explore different repayment types, offset facilities, redraw access or loan structures.

03

Consolidate eligible debts

Review whether combining eligible debts may simplify repayments and suit your circumstances.

04

Access available equity

Consider whether available property equity may support eligible plans, subject to assessment.

Our process

Four straightforward steps.

1

Loan review

We discuss your current lending, financial position and reasons for considering a change.

2

Comparison

We compare suitable options, including rates, fees, features and estimated switching costs.

3

Application

We help organise documents, submit the application and manage lender questions.

4

Settlement

We coordinate approval and settlement with the lenders and keep you informed throughout.

Why choose Mortgex

Clear refinance guidance at every step.

We take the time to understand your current loan, changing circumstances and financial goals. From comparing suitable alternatives to coordinating settlement, we support you throughout the process.

  • Refinance options shaped around your goals and financial position.
  • Access to a broad panel of established home-loan lenders.
  • Clear comparisons of rates, fees, features and switching costs.
  • Careful preparation and management of your application.
  • Responsive support from loan review through settlement and beyond.
Professional finance specialist holding a tablet in a modern office

Lender Network

Greater choice for your financial goals.

We compare solutions from a diverse panel of lenders to help you identify finance suited to your circumstances and priorities.

Westpac
Liberty
Pepper Money
Bankwest
UniBank
Resimac
St.George
Bank Australia
nab
ANZ

We’re here to help

Start your refinance conversation today.

Tell us about your current loan and what you would like to improve, and one of our specialists will contact you to discuss suitable options and next steps.

A homeowner reviewing refinance options on a laptop

This page provides general information only and does not constitute financial, credit, legal or tax advice. Lending is subject to lender assessment, eligibility criteria and approval.