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Mortgage, Personal, Business & SMSF Loans Refinanced

Fast Pre-Approvals 

All Debts Considered

Free Consults 

High Success Rates

Many Australians are finding that their interest rates may not be as competitive as they would want and loans that are not best suited to their current situation. It makes you question whether your present lender is really providing you the greatest bargain and offering current ‘new to lender’ offers. We can assist with finding out your savings in an efficient, easy process, for all mortgage, personal, business, and SMSF loans.

Refinancing may be a response to increasing interest rates and living expenses, too many debt payments and wanting consolidation, or to help with a new purchase. Usually we can arrange a better interest rate and loan features that are tailored to your needs, and payments that better suit your situation, whilst also saving you money.

Our free no obligation consults can provide a quick quote to see if a refinance and/or debt consolidation will suit your current and future needs and ensure there is a true savings to be had. We can refinance and consolidate all types of loans from the smallest credit car or payday advance, up to complex commercial dealings.

Best of all, we handle all of the hard work for you, including debt consolidation structure and strategy, rate negotiations and terms, and interacting with lenders. You may now refinance your loan without usually even needing to contact your current lender much. Contact us today for your free, no-obligation quote on all your mortgage, personal, business and SMSF loans and finance.

Value Driven Change

‘A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.’ —Suze Orman

Fast Pre-Approvals

Available Today

Free Consults

Mortgages, Personal & Business Loans

Are you Looking to pay down debt quicker, consolidate other debts, or just want to save on interest? Our refinance loan brokers can help with all types of refinance loans by first looking at your current finance facilities, and comparing to how we may be able to offer a better deal. We can assist all refinance deals from mortgages, to personal and business loans, and other debt facilities you may currently have.

We can assist with all types of refinance financing, with flexible security and unsecured options.  Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you.  This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

We can obtain financing with main and private lenders, with no early exit and repayment fees, and a whole host of other benefits as listed below. Enquire for a call back today from one of our credit specialist and ensure you make the right choice on your refinance loan requirements today.

Frequently Asked Questions

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.

How much can I borrow?

This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please get in contact with us to arrange your tailored loan quote.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors.

Do you need tax returns?

For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.

Loan Refinance Brokers

We can assist with many types of refinancing for  mortgages, personal and business loans rom a large range of lender facilities. Depending on your situation, we can also wrap debt consolidation or cash out into refinanced loans if you want to purchase something at the same time, to optimise your loan efficiency.

Our main aim though is to put you in a better position, free you from the debt cycle, and ensure any further lending is aligned with your current and future needs, and objectives, and will bring you true benefits.

Start today by arranging a free 30 minute credit consult with one of our loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your loan refinance needs.

Is Refinancing Right For You?

The best time to refinance your home loan is determined by your personal and financial circumstances, as well as your refinancing objectives, and also your general current financial and personal situation. When considering if a refinance could help you, consider the questions below:

1. Do you want to lower your repayments?
2. Want to pay off your debt faster?
3. Unlock equity from property or SMSF?
4. Fund other new purchases?
5. Looking to consolidate all your repayments?
6. And/Or take advantage of current lender offers?

Whatever your objectives are, our refinance and consolidation brokers can help you define and strategise them so you can select the best refinancing strategy for your lifestyle, that best suits you today and tomorrow. 

What does it take for a mortgage, personal, business or SMSF loan refinance?


The requirements of each refinance and consolidation loan first starts with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit your debt consolidation and loan refinance needs the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top five comparisons, and reasons for our recommended loan finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history