Ready to get started?
Start your application or speak with a commercial finance expert today.
Why people choose Atlas Broker to refinance
Refinancing shouldn’t feel complicated. Our approach focuses on clarity, simple explanations and long-term benefits for you.
- We review your current loan and identify opportunities to save.
- Compare new options across multiple lenders
- Explain the pros and cons of fixed, variable and split loan structures.
- Walk you through fees, break costs and timelines so there are no surprises.
- Support you through the full process, from enquiry to settlement.
- Long-term strategy, not just a quick rate comparison.
Many clients come to us unsure if refinancing is worth it, we give you the information to make that decision confidently.
Common reasons people refinance (and how Atlas can help)
Lower your repayments
If your current rate is higher than necessary, refinancing could reduce your monthly repayments.
Access better loan features
Offset accounts, redraw, flexible repayments, these small features can make a big difference over time.
Use your equity
Refinancing can help unlock equity for renovations, investments or major expenses.
Consolidate debt
We can help combine higher-interest debts into one manageable loan structure.
Switch lenders
If your bank isn’t offering competitive rates, features or service, we help you explore alternatives.
How it works in 3 simple steps
A clearer, smarter refinance in three steps.
- Review your current loan
We assess your existing home loan, outline what’s working (and what’s not), and identify opportunities to save or improve. - Compare lenders & choose your best option
We analyse options across a wide lender panel, explain the benefits and drawbacks clearly, and recommend the structure that fits your goals. - Apply, switch & settle
We manage the full refinancing process, handle all communication with lenders, and ensure a smooth transition to your new loan.
You get a better loan — without the stress, paperwork or guesswork.
What to consider before refinancing
- Interest rates aren’t everything.
Features like offset accounts, redraw and repayment flexibility can be equally important. - There may be fees.
Exit fees, break costs and new loan setup fees vary by lender. We outline these upfront. - Your borrowing capacity may have changed.
Income, expenses and lender policies shift over time — we reassess everything for you. - Timing matters.
Refinancing during a fixed-rate term may involve break costs. We help you understand the best time to move.
Your long-term goals should guide the decision.
Saving today is great — but your future plans matter just as much.
Repayment Calculator
Use our simple calculator below to estimate your repayments. It’s quick, accurate, and completely obligation-free.
Just enter your desired loan amount, interest rate and term to get started. For a tailored quote, feel free to contact our brokers directly.
Refinancing FAQs
Explore Mortgage
