Mortgage refinancing reviews

Overview

People review their mortgage for many reasons — to consider a different loan structure, to consolidate debts, to access equity for renovations, or simply to check whether their current arrangement still suits them.

We help you review your existing loan, understand the costs and considerations of changing, and decide whether refinancing is worth exploring. Refinancing is not always the right choice, and we will explain the trade-offs clearly.

Who this may suit

• Owners whose circumstances have changed
• Borrowers considering accessing equity
• People wanting to restructure existing debts
• Anyone who has not reviewed their loan in some time

Common eligibility considerations

Each lender sets its own criteria. Considerations commonly include:

• Current loan balance and repayment history
• Income and ability to make repayments
• Current property value and equity
• Costs of exiting the current loan
• Credit history

Documents that may be requested

The exact list depends on the lender and your circumstances. We will confirm what applies to you.

• Recent statements for your current mortgage
• Photo identification and proof of income
• Statements for other debts
• Property details and any recent valuation

How the process works

1. Submit an enquiry
2. Review your current loan and goals
3. Prepare your information
4. Compare whether a change could suit you
5. Proceed through lender assessment and settlement, where applicable

How to enquire

Complete the enquiry form below or contact our team. We will discuss your goals, explain the next steps and let you know what information to prepare.