1
Review
We assess your current loan, goals and timeline, and identify opportunities to save or restructure.
Refinance Hub
Top-Rated Mortgage Brokers for Refinancing in Melbourne
Refinancing your home loan doesn’t have to be complicated. Our Melbourne refinance brokers compare 40+ lenders and structure the right refinance for your goals — whether that’s lowering repayments, unlocking equity, or consolidating debt.
5.0 ★ (315+ reviews)
40+ lenders compared
Free 6-Month Rate Review
Melbourne & Australia-wide
Simple, step-by-step Clear refinance process from review to settlement Easy
Lower repayments We target savings you can see each month
Policy know-how Solutions for complex income & credit
Grow with equity Refinance to access funds for goals
Our 6-Step Refinance Process
Here’s how our refinance brokers in Melbourne help you switch your home loan with confidence.
2
Compare
We compare 40+ lenders and short-list competitive refinance options for your scenario.
3
Recommend
Clear recommendations with pros/cons and estimated monthly savings & fees.
4
Apply
We prepare the application, collect documents and handle lender questions.
5
Approve
We work towards a smooth approval and line up settlement tasks for you.
6
Settle & Review
Your new loan settles. We include a Free 6-Month Rate Review to keep you competitive.
Real Client Outcomes
Saved $355/month & set up an offset
Switched from a major bank to a sharper fixed/variable split, added an offset account and simplified the budget.
Accessed $120k to renovate
Repriced existing lending, released equity for a staged renovation plan without blowing monthly cash flow.
Restructure for next purchase
Interest-only on the investment loan, P&I on the home, and a clearer pathway to property #2.
Results are illustrative; your situation is unique. Get tailored advice from our team.
Explore more: Exclusive Broker Home Loan Deals • Investment Property Hub • Reviews Awards Hub • Low Deposit Hub
Refinancing FAQs
How long does refinancing take?
Most refinances take 4–8 weeks, depending on the lender, property type, and how quickly documents are provided.
What costs are involved in refinancing?
There can be discharge fees, government charges and application costs. We calculate an estimated break-even period upfront so you know if the switch makes sense.
Can I refinance with a low credit score or complex income?
Often yes. Our panel includes specialist and near-prime lenders who consider alternative income docs or past credit issues.
Do I need a big deposit to refinance?
Not necessarily. Equity position matters more — we’ll review your loan-to-value ratio (LVR) and options.
What is a 6-month rate review?
After settlement, we check your rate again at month six. If the market has moved or your lender’s pricing changes, we’ll advise options to stay competitive.
Trusted • 5.0 ★
Ready to see your refinance options?
Get a quick comparison across 40+ lenders and a clear view of repayments, fees and timeframes — in plain English.
