Compare the total cost
Review interest, application or discharge costs, annual fees and any break costs before deciding whether to switch.
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Home loan refinancing
Refinance mortgage broker in Melbourne
Find out whether your current home loan still fits. Chris Berry can compare suitable refinance options from more than 40 lenders and explain the rates, fees, features and trade-offs in plain language.
Your options
Look beyond the advertised refinance rate
A lower headline rate can help, but the right decision depends on the total cost, useful features and how long you expect to keep the loan.
Test your break-even point
Estimate how long it may take for projected savings to recover the upfront costs of refinancing.
Match features to your plans
Consider offset accounts, redraw, fixed or variable rates and flexibility for future property or investment goals.
How it works
A straightforward path to your next decision.
- 01
Share your current loan details and what you want to improve.
- 02
Compare suitable lending options, costs and potential savings.
- 03
Choose whether to stay, negotiate or refinance with clearer numbers.
Common questions
What borrowers often ask
When is refinancing a home loan worth considering?
It may be worth reviewing when your rate is no longer competitive, your loan features do not suit you, your fixed period is ending or your financial goals have changed. The projected benefit should be compared with every switching cost.
What costs can apply when refinancing?
Depending on the loans and lenders, costs can include discharge, application, valuation, settlement, package and government registration fees. A fixed loan may also have break costs.
Can a mortgage broker help negotiate with my current lender?
A broker can help you understand comparable options and discuss whether staying or switching better fits your circumstances. Your current lender decides whether it will offer a revised rate.
How long does refinancing take?
Timing varies with the lender, valuation, document requirements and application complexity. Your broker can explain the expected process after reviewing your circumstances.
Ready when you are
Let’s find your better rate.
Book a free 30-minute appointment with a mortgage broker to clarify your next step.