Refinance Home Loan
Explore smarter financial solutions with our Refinance Home Loans. Whether you’re looking to reduce repayments or improve your loan structure, we’re here to help you make the most of your home loan.
- 25+ Years of Trusted Refinance Home Loan Lender
- Tailored loan solutions to match your lifestyle
- Fast approvals with expert guidance every step
Refinance Home Loans offer opportunities to save money, access equity, or restructure your finances to suit your current needs.
Offering opportunities to save money, access equity or restructure your finances to suit your current needs.
Let us guide you through your refinance options to ensure you’re meeting your current goals. Contact us now to get started!
Ready to unlock better rates and smarter solutions with a refinance home loan?
Our experienced team is here to guide you every step of the way—from reviewing your current loan to settling with confidence. Let’s work together to secure your financial future.
- 👉 Talk to our Brisbane Home Loan Experts Today
- 📞 Call us at (07) 3263 4123 or visit our Aspley office to get started
Why Choose Our Refinance Home Loan Service?
With over 25 years of experience and strong relationships with a wide range of lenders, we make refinancing your home loan simple, strategic, and stress-free. Whether you’re looking to secure a better interest rate, reduce your repayments, access equity, or consolidate your debts, we tailor each refinance home loan solution to suit your unique financial goals.
What sets us apart?
- Access to leading lenders offering competitive refinance home loan rates
- Personalised guidance throughout the entire process
- Expert advice to help maximise your borrowing capacity
- Streamlined approvals and minimal paperwork
- Ongoing support even after settlement
Let us help you refinance smarter—not harder.
-
Bachelor of Business
Accounting &
Human Resources -
Diploma in
Mortgage Broking
-
Certificate IV in
Mortgage Broking
in Finance -
Rising
Star Award
Top Related Mortgage
Brokers in Brisbane with
400 + 4.9 Star
Reviews
At Fast Track Home Loans, our dedication to integrity, client success, and industry leadership has earned us recognition across the mortgage broking landscape.
Based on feedback from over 400 customer experience surveys completed
How to Refinance a Home Loan With Us
Refinancing doesn’t have to be complicated. Here’s how our streamlined refinance home loan process works:
Step 1: Book a Free Consultation
We’ll understand your financial position, goals, and current loan details.
Step 2: Explore Your Options
Our team compares offers from a wide network of lenders to find the best refinance home loan for your situation.
Step 3: Get Pre-Approval
Once you’re happy with the terms, we help you secure pre-approval for your new loan.
Step 4: Settle and Save
We manage the paperwork, communicate with lenders, and ensure a smooth transition—so you can start enjoying the benefits right away.
Things You Should Know About Home Loan Refinance
Refinancing a home loan can be a game-changer, but it’s important to be well-informed before making the switch. Here are some key considerations:
✅ Potential Benefits:
- Lower interest rates: Save thousands over the life of your loan
- Access home equity: Use built-up equity for renovations, investments or large expenses
- Loan consolidation: Combine multiple debts into one manageable repayment
- Flexible features: Offset accounts, redraw facilities, or interest-only periods
⚠️ Things to Watch:
- Exit fees or break costs from your current lender
- Application or valuation fees with the new loan
- Loan term resets—you might extend your loan duration unless managed correctly
- Credit check impact—refinancing involves a credit inquiry
That’s why we provide clear, transparent advice—so you know the real costs and benefits before making the move.
Frequently Asked Questions
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How often can I refinance my home?
There is no limit on how often you can refinance, however it is important to understand the fees and benefits prior to making any decisions. If you refinance frequently it is unlikely that you will be recouping the costs of refinancing in the short-term.
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What is the difference between refinancing and renegotiating my current loan?
Refinancing involves switching to a new loan, either with your existing lender or a different one. Renegotiating means adjusting the terms of your current loan with your lender without switching products. At Fast Track Home Loans we will always attempt to renegotiate your loan with your existing lender (even if you’re not an existing customer of ours) before we look at alternative lenders.
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Will refinancing affect my credit score?
Applying for a new loan as part of the refinancing process will result in a credit check which can temporarily lower your credit score. However, if you are not regularly applying for credit and maintain responsible debt management following the refinance, your credit score can improve over time.
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Can I refinance if I’m self-employed or have a low credit score?
Yes, we work with a range of lenders who offer flexible refinance home loan options for self-employed clients or those with less-than-perfect credit histories.
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Is refinancing worth it for a small difference in interest rate?
Even a 0.25% drop in interest rate can save you thousands over time, especially on large loans. We provide a clear cost-benefit analysis so you can make an informed choice.
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