Refinance Your Home Loan and Save
- Get better mortgage advice
Still on the Same Loan You Took Out Years Ago?
If you haven’t reviewed your mortgage in the past 12-18 months, you’re likely paying more than you need to. At YMB, we help Australia homeowners:
- Secure better refinance mortgage rates than what your current lender offers
- Reduce monthly repayments to free up your cash flow
- Consolidate debt to simplify finances and potentially save thousands
- Access home equity for renovations, investments, or other goals
- Structure your loan for better long-term outcomes
Whether your fixed rate is ending or you simply want a better deal, our refinance specialists will guide you through the options.
What Could You Save By Refinancing?
In 30 minutes, we’ll provide:
- A clear comparison of refinance mortgage rates across lenders
- A realistic estimate of your potential monthly savings
- Options to tap into equity or consolidate debt
- An honest assessment of whether refinancing makes sense right now
Most refinances take 3-4 weeks from application to settlement. We'll keep you updated at every stage.
Why Australia Homeowners Choose YMB for Refinancing
Comprehensive Comparison
We compare refinance rates from over 40 lenders to find the most competitive options available to you
End-to-End Support
No need to chase banks or wade through paperwork—we handle it all
Strategic Approach
We look beyond just the rate to ensure the structure matches your long-term goals
Ongoing Value
We'll check in regularly to ensure your loan continues to meet your needs
Refinancing Made Simple: Our 4-Step Process
1. Initial Consultation
We'll discuss your current loan, financial goals, and what you want to achieve by refinancing.
2. Compare Refinance Options
We'll research the market and present you with 2-3 tailored options that achieve your goals.
3. Recommendation & Application
We'll explain the benefits of each option, make a recommendation, and handle your application.
4. Settlement & Transition
We'll manage the settlement process and ensure a smooth transition from your old loan to your new one.
What Our Clients Are Saying
“We thought we couldn’t buy yet — but we could.”
“They made it simple and stress-free.”
“I finally felt like someone was in my corner.
“They made it simple and stress-free.”
How We Help Australia Homeowners Refinance
- Your Fixed Rate Is Ending Don’t just roll onto your lender’s variable rate. We’ll compare options to find a competitive new rate.
- You Want Lower Repayments Struggling with your current repayments? We’ll find a loan structure that eases the pressure.
- You Need to Access Equity Want to renovate, invest, or fund education? We’ll help you unlock your home’s equity with the right structure.
- You Want to Consolidate Debt Combine credit cards, personal loans, and your mortgage into one manageable payment.
Refinancing Questions, Answered
We recommend reviewing your loan every 12-18 months to ensure it’s still competitive. However, refinancing makes the most sense when the benefits (lower rate, better features, accessing equity) outweigh any costs involved. Market conditions, your personal circumstances, and your lender’s current offerings all play a part in this decision.
Potential costs include discharge fees from your current lender ($300-$400), application fees with your new lender (often waived), government registration fees ($200-$300), and potential break costs if you’re leaving a fixed-rate loan early. We’ll calculate all these costs upfront so you can make an informed decision about whether refinancing makes financial sense.
Beyond just looking at the headline rate, you need to consider comparison rates (which include fees), features like offset accounts and redraw facilities, and how the loan structure aligns with your goals. We do this work for you, presenting options that truly match your needs rather than just chasing the lowest advertised rate.
Even a small rate reduction can add up to significant savings over time. For example, a 0.25% reduction on a $500,000 loan could save you over $20,000 over 25 years. However, we’ll always do the math for your specific situation to ensure refinancing makes financial sense.
Yes, refinancing is one of the most common ways to access your home equity for renovations, investments, or other financial goals. We’ll help you understand how much equity you can access and the most efficient way to structure this.
From initial consultation to settlement, most refinances take 3-4 weeks. However, this can vary based on your lender, property valuation timeframes, and your personal circumstances. We’ll manage the process to make it as quick and seamless as possible.
Each loan application can temporarily impact your credit score. We minimize this impact by being strategic about which lenders we apply to, based on your situation and their lending criteria. In the long run, refinancing to a more manageable loan can positively impact your overall financial health.
Yes, but it may limit your options. If your loan-to-value ratio (LVR) has increased due to a property value decrease, you might face higher rates or LMI costs. We’ll help you assess whether refinancing still makes sense in this scenario or suggest alternative strategies.
Ready to find out if you could be saving on your mortgage?
Our refinance specialists will analyse your current loan, explore your options, and give you a clear picture of what’s possible, without any pressure or obligation.
The information on this website is general in nature and does not constitute personal financial, legal, or tax advice. Please consult a licensed financial adviser, tax professional, or legal adviser before making any financial decisions.
YMB provides credit assistance and lending structuring services only. We do not provide personal financial advice or tax advice.