Looking to Refinance your home loan?
Take advantage of better rates on the market and start saving
Take advantage of better rates on the market and start saving
The average Australian homeowner who refinanced through Linton Finance in 2024 saved over $2,400 per year on their mortgage repayments. With interest rates changing rapidly, your current loan might no longer be competitive - costing you thousands in unnecessary interest payments.
You should consider refinancing if:
Your fixed rate period is about to expire
You're still paying a high interest rate from years ago
You need to access equity for renovations or investment
You want to consolidate debt such as credit cards or personal loans into a lower-interest mortgage
Your financial situation has improved since you got your loan
You're unhappy with your current lender's service or features
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.
Nathan was great to work with—professional, knowledgeable, and really helpful. He recently helped me with an investment loan and found several lenders with competitive rates, giving me good options to choose from. The whole process was smooth, and I’d definitely recommend him.
Ahmad Ghanizada
Linton Finance and Nathan was absolute pleasure to deal with. He helped me get the best deal which I'm very happy with. Made the process so easy and stress free. I have already recommended him to others and will do the same in the future. Looking forward to the continued partnership. Thank you
Darren Wickham
I had an amazing experience with Linton finance. They made the whole process super easy by explaining everything in plain language and always being quick to answer my questions. I ended up with a great mortgage deal and terms that aligned perfectly with my financial goals. Id definitely recommend them if you're looking for someone knowledgeable and friendly.
Usman Malik
Nathan is an excellent mortgage broker, he took his time to understand our circumstances and came back to us very quickly with a number of options that were much better than what our bank of 15 years were offering us. Very pleased and couldn't recommend them highly enough!
Alice Chin
Nathan was a treat, he made the process really simple. He was super quick responding to all my questions and was able to get the loan approved for my wife and I at a rate we were happy with. Would definitely recommend
Joseph T
We’ve used multiple brokers in the past and Nathan has been by far the best. He was very thorough and broke things down for us, making things easy from start to finish. Highly recommend!
nicole abouchaaya
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.
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.
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.
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.
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.
Book an appointment with a mortgage broker to get bespoke refinance options today
Linton Finance Pty Ltd ABN: 30 676 911 210. Credit Representative #560299 is authorised under Australian Credit License #389087
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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