Switch to a better rate and potentially save thousands over the life of your loan. We compare your current deal against a wide range of products.
Australian homeowners overpay on their mortgage by an average of $3,000 per year simply because they never review their rate. Refinancing replaces your existing loan with a new one, ideally at a lower interest rate, better features, or both. We compare your current deal against a wide range of products from over 40 lenders and handle the entire switching process from application to settlement.
We benchmark your existing rate against the full market including major banks, second-tier lenders, and non-bank specialists to find you the most competitive deal.
Many lenders offer cashback rebates of $2,000 to $10,000 for refinancing customers. We identify current offers and factor them into the true cost comparison.
Roll credit cards, personal loans, and car finance into your home loan at a much lower interest rate. We calculate whether consolidation saves you money after accounting for the longer repayment term.
We model different rate scenarios to help you decide between fixing your rate for certainty, staying variable for flexibility, or splitting your loan to get both.
If your current loan is on a fixed rate, break costs can be significant. We obtain exact break cost quotes from your lender and compare them against the long-term savings of switching.
Existing customers often pay higher rates than new borrowers at the same bank. We negotiate with your current lender first and refinance only if they refuse to match the market.
General Advice Warning: The information provided on this page is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it.
We review your existing loan including rate, fees, features, and remaining term. You will see exactly how your deal compares to what is available today.
We model your potential monthly and lifetime savings across multiple lender options, accounting for any exit fees, establishment fees, and government charges.
We submit your application to the chosen lender, manage the property valuation, and handle all documentation. Most refinances settle within 4-6 weeks.
Your new lender pays out your old loan at settlement. We coordinate the discharge of your existing mortgage and confirm your new repayment schedule.
Real reviews from real clients across Australia
"We would like to thank Stephen and Jeng so much for their assistance and support in our refinancing process. The team were proactive and always available to help."
"Stephen's professionalism, attention to detail, and genuine care made the entire mortgage process smooth and stress-free. He secured us the best rates when our first bank delayed."
"Damien and Jeng were amazing to deal with! They helped us refinance our home loan so we could get our renovations underway. The process was easy and stress-free."
"Damien was efficient and friendly. In a blink of an eye he got me from point A to B."
"Damien was very helpful, easy to communicate with. Kept me informed all the way and successfully refinanced my mortgage with a much better deal."
"Stephen and his team are highly recommended; my SMSF lending case was a complex one, but Stephen found some options. Great communication and responsiveness throughout."
"Damien from Manage Your Loans was fantastic in every step of our refinancing. Always available on the phone whenever questions needed to be answered."
"We were very impressed with the support we received during our home loan process. Damien's expertise and professionalism stood out."
"Stephen was great throughout the whole process. He kept me up-to-date and informed the entire time."
"Stephen Vider from Manage Your Loans helped me greatly through the refinance process. He was very transparent throughout."
"Ben was absolutely friendly and made the entire refinancing process completely stress-free for us. He took the time to understand our needs."
"We gave Damien from Manage Your Loans a complex challenge as we were refinancing 3 separate mortgages on two properties. He completed the intricate case successfully."
"Great service, MYL managed to get a better deal from the same bank! A must go for your home loan."
"Damien was a pleasure to deal with. Walked me through the whole process. Made everything very simple."
"We wish to acknowledge the outstanding service we experienced throughout the refinancing process. Damien's professionalism and industry knowledge were remarkable."
"Amazing! Debra and the team took exceptional care of us while getting a home loan for our first home in Australia."
"Second time around with Damien. Highly recommend him for his honesty, integrity and personalised service."
"The team from Manage Your Loans has been really helpful in doing my refinance to another lender. Thank you Deb, Grace and Leanne."
"Damien was fantastic as our mortgage broker! From start to finish, he was knowledgeable, professional, and incredibly helpful."
"The team at Manage Your Loans were amazing. Leanne and Nathan were with me every step of the way and successfully got over the line a new loan for my Self Managed Super Fund."
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