Refinancing
Explore greats deals and reach your goals
With over 60 lenders to choose from, our free home loan check will ensure you’re getting the best option to save you money and achieve your goals. Plus, you could get up to $3,000 cashback on upon refinancing with selected lenders if you meet their eligibility criteria.
There is plenty to discuss, such as getting you the lowest interest rate, consolidating your finances, or accessing available equity.
Optimum finance has you covered. Get in touch so we can do our research and discuss the best way for you to achieve financial freedom.
Some reasons you may want to refinance
Low Interest rates
Banks are constantly updating their interest rates. Let us make them compete for your business. We go in and negotiate the lowest rate on your behalf so you can pay off your loan sooner
Consolidating debts
We can pay off you’re other debts such as credit cards and personal loans which may have a high interest rate and add them to your loan, putting more money in your pocket each month
cashout
Been wanting a new car? Maybe renovating your house? We can look to access some of your equity and making it available for whatever your needs might be.
Bank features
Some banks offer cashback rewards just for switching to them. You may also want to add an offset account or redraw. Lets discuss your goals and find the rite loan for you
When is the rite time to switch?
Unlock Better Rates with Equity
As you pay down your principal and property values rise, your equity grows. This lowers your Loan-to-Value Ratio (LVR), making you a “lower risk” customer to the banks. Lenders often reserve their most competitive interest rates for borrowers with substantial equity (usually below 80% LVR)
Your Improved Credit Score
Lenders price their loans based on risk. If your credit score has increased since you first applied—perhaps because a default has dropped off or you’ve maintained perfect repayment history—you may now qualify for a much lower interest rate tier that wasn’t available to you previously.
Fixed Rate Expiring Soon
When your fixed rate ends, you are automatically switched to the bank’s standard variable rate—which is often much higher than what is available elsewhere. Let us help you negotiate a competitive deal before your repayments jump.
The process
The Health Check
We start by doing a free review of your current financial position and loan structure. We calculate your true costs—including interest, fees, and any potential discharge costs—to establish a clear baseline for improvement.
Finding the best replacement
We scan the market across over 40 lenders to find a better deal. We present you with a tailored shortlist of recommendations. Sometimes, the best move isn’t to leave, but to have us force your current lender to match the market rate—we handle that negotiation for you.
The Switch
Once you choose your preferred option, we manage the entire process. From submitting the application to coordinating the discharge with your old bank, we handle the paperwork. Post-settlement, we stay in touch to ensure your rate stays competitive over the long term.
Call us
0466537333
Property Valuation
Find out how much equity you have
Switch Calculator
See how much you could be saving