Services — Refinancing

Why pay extra when you don't need to?

Most Australians are sitting on the same mortgage for years while rates move around them. A quick check could save you hundreds every month — and we do the comparison for free.

Free rate review
30+ lenders
Break-even analysis
No obligation
Services — Refinancing

Get started today

Fill in your details and we'll be in touch to discuss your options.

What's included
  • Free rate review
  • 30+ lenders
  • Break-even analysis
  • No obligation
Key things to know
A better rate could save you thousandsEven a 0.5% reduction on a $600k loan saves you over $3,000 a year. We'll compare 30+ lenders and show you exactly what you could be saving — before you commit to anything.
We calculate the break-even pointRefinancing has costs — discharge fees, new loan fees, valuations. We'll calculate exactly when you break even on those costs so you can make a clear, informed decision.
Access your equityIf your property has gone up in value, refinancing could let you access that equity for renovations, an investment property deposit, or other goals — without selling.

Make an enquiry

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What we do for you

Why thousands of Australians
refinance every year

01

A better rate could save you thousands

Even a 0.5% reduction on a $600k loan saves you over $3,000 a year. We'll compare 30+ lenders and show you exactly what you could be saving — before you commit to anything.

02

We calculate the break-even point

Refinancing has costs — discharge fees, new loan fees, valuations. We'll calculate exactly when you break even on those costs so you can make a clear, informed decision.

03

Access your equity

If your property has gone up in value, refinancing could let you access that equity for renovations, an investment property deposit, or other goals — without selling.

04

Get the features you actually want

Maybe you want an offset account, a redraw facility, or the ability to make extra repayments. We find a loan with the features that matter to your situation.

05

Fixed period ending? Perfect timing

If your fixed rate is ending, now is the time to move. Don't let yourself roll onto the standard variable — we'll have options ready before your fixed period expires.

06

Debt consolidation at the same time

If you have other debts — credit cards, personal loans — we can often roll them into your refinanced mortgage at a much lower rate, simplifying everything into one repayment.

How it works

Simple steps,
real results

01

Tell us your situation

Fill in the form or give us a call. No paperwork yet — just a quick chat about where you're at and what you're trying to achieve.

02

We find your options

We compare 30+ lenders and come back with the best options for your situation — not just the best commission for us.

03

We handle everything

Once you're happy we submit your application and manage the entire process — documents, lender communication, everything.

04

You get the result

We stay in touch after the deal is done to make sure everything keeps working hard for you.

Common questions

Refinancing FAQs

When does refinancing actually make sense?
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It makes sense when you can get a meaningfully better rate, when your fixed period is ending, when you want to access equity, or when your financial situation has improved since you took out your current loan. We'll tell you honestly if it's worth it or not.
What does refinancing actually cost?
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How long does refinancing take?
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Will refinancing affect my credit score?
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Ready to get started?

No pressure, no obligation. Give us a call or fill in the form above and we'll walk you through your options.

0403 172 610 info@kickfinance.com.au Book a call
Refinance Your Home Loan Sydney | Free Rate Review | Kick Finance