Free Refinance Assessment · No Credit Check
Turn your home equity into a deposit for an investment property or second home. Access up to 80-90% of your property value with refinancing, equity release, or bridging loans.
Wide Panel
Banks + Specialists
Enter your current loan details and the rate you could switch to.
Tip: Current average variable rate is 7.2% p.a. We regularly secure rates from 5.7% p.a. for eligible borrowers. Your rate may vary based on LVR, loan size, and lender.
Live Estimate
Estimated Monthly Saving
$430/mo
7.2% → 5.99% on $450,000 balance
Full breakdown — total interest savings, break-even, comparison
Monthly Saving
—
Every month, starting now
Annual Saving
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Per year on your current balance
Total Interest Saving
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Over the remaining loan term
Broker Insight
Refinancing is one of the most effective wealth strategies available to Australian homeowners.
Even 0.5% less on a $500k loan saves $142,000 in interest over 30 years. Most Mortgagefy clients save 0.8–1.4% when they refinance. Your bank will rarely offer you its best rate unprompted.
Unlock the equity built up in your home for renovations, investment property deposits, or debt consolidation. Access your money without selling — refinancing lets you put your equity to work immediately.
Combine personal loans, credit cards, and your mortgage into one low-rate repayment. Stop paying 15–22% interest on credit card debt. Simplify your finances and potentially save hundreds per month.
A broker does the heavy lifting. You just need to say yes.
01
Use the calculator above to see your estimated monthly and lifetime savings — takes 60 seconds.
02
We search across our wide panel of lenders and identify your best 3–5 options including rates, fees, and features.
03
We handle all paperwork, property valuations, and lender communications. You approve, we execute.
04
New loan settled, old loan discharged — you start saving from your very first repayment.
The following case studies are illustrative examples based on typical borrower scenarios. They do not represent specific individual clients. Actual outcomes depend on individual circumstances, lender assessment, and market conditions at time of application. Mortgagefy (Credit Representative No. 532656) provides credit assistance only and does not guarantee loan approval or specific outcomes.
Refinance — Sydney Homeowner, Epping
In this scenario, a homeowner paying 7.18% variable (not reviewed in 3 years) refinanced to 5.94% — a saving of approximately $617/month based on a $650,000 loan over 30 years.
What we did: Compared wide lender panel, identified a better-suited product, and managed the full refinance in under 2 weeks.
Illustrative example only. Individual outcomes vary.
Equity Release — Property Owner, Chatswood
In this scenario, a homeowner used a refinance to access approximately $180,000 in equity, which was then structured as a deposit for investment properties while maintaining tax deductibility.
What we did: Cross-collateralisation avoided, clean loan structure created, tax position preserved.
Illustrative example only. Individual outcomes vary.
Portfolio Refinance — Investor, Mosman
In this scenario, an investor with 4 properties across 3 lenders had loans restructured, resulting in estimated savings of approximately $840/month in total repayments.
What we did: Consolidated lending structure, negotiated better rates across the portfolio.
Illustrative example only. Individual outcomes vary.
Compare loan options from major banks and specialist lenders.
We work with a wide panel of lenders across Australia. We are not tied to any one lender and compare loan options to help find a solution that suits your needs. All applications are subject to lender approval and lending criteria.
Common questions from Australian homeowners considering refinancing.
Borrowing Power Calculator
Find out how much you can borrow based on your income and expenses
Open Calculator →Extra Repayments Calculator
See how much time and interest you save by paying extra each month
Open Calculator →Equity Calculator
Calculate your usable equity and see what you could access via refinancing
Open Calculator →A broker will calculate your exact savings and present your best refinance options — completely free, no obligation.
Takes 60 seconds. A broker will call you within 24 hours.
Common refinance questions from Sydney homeowners. Straight answers.
Still have a question? Our mortgage assistant answers instantly — free, no obligation.
Ask Our Mortgage AssistantFind out if switching lenders saves you thousands — without the runaround
Accredited broker with 5+ years of industry recognition and genuine lending expertise.
348324
Australian Credit
Licence
532656
Credit
Representative
Mortgagefy is an authorised credit representative (No. 532656) under Australian Credit Licence (ACL) 348324.
5-year member of the Mortgage and Finance Association of Australia (MFAA)
