Sydney’s Refinance Mortgage Brokers

Lower repayments, unlock equity, and get expert Sydney advice — all in one refinance.

Book Your Consultation Now

5.0

from 23 Reviews

The Easy Way To Refinance Your Mortgage

Lower Interest Rates

You may not get the best offers if you go directly to the banks or bank-owned mortgage brokers. We negotiate for you directly and work for you, not the bank.

Your Trusted Advisor

As brokers we understand lending policy very well and help customers build wealth through property. Once we understand your circumstances we can very quickly direct you to the right lender for your needs.

Get Approved Faster

You won’t have to waste hours on the phone or meeting with lenders. After we secure you the best mortgage deal available, you could be switched over in as little as 2 weeks, depending on lender processing times.

Reliable Customer Service

You could go anywhere to get your mortgage renewed, but you chose Linton Finance. That’s why we have lightning fast turn around times and aim to get it right the first time.

Is Refinancing Right For You?

Some of the many reasons we refinance clients are:

Reducing your interest rate by getting new banks fighting for your business.
Your home has increased in value since you bought it, giving you access to better deals.
You have other debts you would like to bring in to 1 easy monthly payment and reduce costs.
Tapping in to equity or value built up in the property to fund renovations or other investments.

Book Your Consultation Now

Trusted By Australian Homeowners

My refinance process was smooth and hassle-free. Nathan was highly responsive, knowledgeable, and made everything easy from start to finish. I felt confident throughout and look forward to working with him again in the future. Highly recommended.

Brendon Xu

Could not fault this business, the efficiency and quality of Nathan’s service is second to none, he made buying a home simple and stress free. Thanks again.

josh

Nathan has been an amazing mortgage broker for us. There was a lot of questions my husband and I were concerned and unsure about, but Nathan was able to break down our concerns and address them- leaving us stress free. He went above and beyond for us to secure our home and we are so grateful. Highly recommend!!

Alyssa Balayo

Working with Linton Finance was a game changer for us, they were somehow able to get us approved just days after speaking and our loan refinanced to a cheaper rate with cash out for a renovation in 2 weeks. The whole process was without any printing and signing and Nathan always picks the phone up when we call with questions. Super happy with the result and look forward to recommending them to our friends and family.

Michael Angelo DelaCruz Rubio

I've been wanting to write this review for a while now, and like a lot of people, very time poor, but cannot let more time go by without taking the time to thank Nathan and his team. We needed a professional that had the expertise to guide us through the complex process of refinancing and future-proofing our financial goals, but as importantly, was customer-focused, reliable and consistent. Nathan led us through from start to finish and in between (always ready to respond to our queries which was such a refreshing change given our previous experience with other mortgage brokers), and gave us so much confidence in the process. We were working on a tight timeframe and Nathan was able to get us through in the shortest amount of time, which was absolutely amazing. We're looking forward to working with Nathan and his team in future as we count him as our go-to mortgage broker now. Thanks so much, Nathan, we couldn't have enjoyed this process without you!

Johanna Annewetey

Very easy to deal with and always contactable when needed.

Shaun Smith

Choose from Over 30 Options Instantly

Want to calculate what refinancing could do for you?

Get started with our instant savings calculator below.

We're here to help you Refinance Without the Hassle

Refinancing your mortgage can seem daunting, but it's a powerful way to take control of your financial future. At Linton Finance, we understand the nuances of refinancing and offer tailored advice that aligns with your unique financial situation and goals.

Whether you're aiming to:

Secure a lower interest rate
Release equity in your property for your next purchase
Consolidate high-interest debts into your mortgage
Switch to a lender with better features or service

Our experienced mortgage brokers excel at matching you with options from over 30 lenders across Australia, not just focusing on interest rates, but also loan features, terms, and your long-term financial goals.

With the average Linton Finance client saving $200 per month after refinancing, the process pays for itself almost immediately. We make the application process straightforward, assisting with all paperwork to ensure your application progresses smoothly.

We provide a personalised and fully digital service. We analyse your financial situation thoroughly and recommend 3 options that could lead to better loan conditions within 24 hours of receiving your information.

Request A Call Back

Name

Phone Number

Email Address

Refinancing FAQs

What exactly is refinancing?

Refinancing is the process of replacing your existing home loan with a new loan, usually to benefit from better interest rates, loan features, or to access equity in your property. It involves applying for a new loan with either your current lender or a different one, which then pays out your existing loan, leaving you with new loan terms and conditions.

Can I access equity in my home when refinancing?

Yes, many homeowners refinance specifically to access equity (the difference between your property's value and your remaining loan balance). This equity can be used for renovations, investments, debt consolidation, or other major expenses. You can typically access up to 80% of your property's value without incurring Lender's Mortgage Insurance, though some lenders allow up to 95% with LMI.

How much can I actually save by refinancing?

This completely depends on the current interest rate you are on and how much your loan is. On a $750,000 loan an interest rate saving of just 0.50% will mean $3,750 less in interest payments per year. If you re-purpose those savings back in to your offset account and pay more principal off your loan, this could shave years off your mortgage term.

Can I refinance if I've had credit issues in the past?

Yes, refinancing is still possible with previous credit issues. We work with specialist lenders who consider your overall financial situation, not just credit history. The specific options will depend on how recent the credit issues were, their severity, and your current financial stability. Many clients with past credit challenges have successfully refinanced through our service.

What costs are involved in refinancing?

Typical refinancing costs may include:

Discharge fee from your current lender ($300-$400)
Application fees for the new loan (often waived)
Property valuation fees (often waived)
Settlement fees ($200-$300)
Government registration fees ($130-$190)
Lender's Mortgage Insurance (if your equity is less than 20%)

Many lenders offer cashback incentives of $2,000-$4,000 when you refinance, which can offset most or all of these costs. We'll provide a complete cost-benefit analysis before you decide.