Make your home loan work harder for you​

Refinancing can help improve your loan as your needs change. We compare options across a wide range of lenders to find competitive rates, better features or a loan structure that better suits your goals.

How can Unite Advisory help you refinance?​

  • 1
    More Choice – We compare home loan refinancing options from a wide range of lenders to help you find a loan that suits your current needs. Whether you want a better rate, more flexibility or improved loan features, we help you understand your options.
  • 2
    Expert Guidance – Your financial situation can change over time, and your loan should keep up. We review your current mortgage, understand your goals and provide guidance on whether refinancing your home loan could be right for you.
  • 3
    Less Hassle – From comparing lenders to managing the application, we take care of the details involved in refinancing a mortgage. We work with you and the lender to help make the refinancing process as straightforward as possible.

OUR KEY OFFERINGS

Access Equity

Home loan refinancing may allow you to access equity in your property for renovations, investing, debt consolidation or major expenses. We help you explore suitable finance options.

Get a lower interest rate

We compare your current loan with refinancing options from a range of lenders to identify potential savings, better features or a more suitable loan structure.

Consolidate debt

Refinancing a home loan may allow you to combine personal loans, credit cards and other debts into one manageable repayment.

Improve your loan structure

The refinancing of a loan gives you an opportunity to review more than just your interest rate. We can assess features such as offset accounts, loan splits and repayment options to suit your goals.

FAQ’s

Refinancing a home loan means replacing your existing mortgage with a new loan, either with your current lender or a different lender. People consider refinancing for many reasons, including securing a lower interest rate, accessing equity, consolidating debt or improving their loan features and structure.​

It may be worth considering home loan refinancing if your fixed rate is ending, interest rates have changed, your financial position has improved or your mortgage has not been reviewed for several years.

Refinancing a mortgage may also be worth considering if you are planning renovations, purchasing an investment property, consolidating debt or looking for more flexible loan features.​

Even if you are not ready to refinance today, it is worth reviewing your home loan every two to three years, or whenever your financial circumstances change.

Regular reviews can help you determine whether refinancing your home loan could provide a more competitive rate, suitable features or a structure that better supports your goals.​

There may be costs involved in refinancing a home loan, depending on your existing mortgage and the lender you choose.

These can include discharge fees, government registration fees, valuation fees, annual package fees and, if you leave a fixed-rate loan early, break costs. We explain applicable costs upfront so you can assess whether refinancing is worthwhile.