Home Loan Refinancing
At Mortgages Plus, we specialise in home loan refinancing, helping clients secure better rates, lower repayments, and access the equity in their homes. Refinancing isn’t just about finding a lower rate. It’s about reshaping your finances to align with your goals. With Mortgages Plus, you receive expert guidance every step of the way, with no upfront fees and no additional cost for our support.












What is Refinancing?
Refinancing is replacing your existing home loan with a new one that’s better suited to your needs. This can lower your repayments, provide access to equity, consolidate debts, or restructure your loan for greater flexibility.
Our role as mortgage brokers is to simplify this process. We compare lenders, explain the options in plain English, and handle the paperwork so that you can move forward with clarity and confidence.
- We'll find you the best deal
- A dedicated case manager and advisor
- Lightening-quick service
- Same-day appointments
- Free suburb reports
Why Choose Mortgages Plus for Refinancing
Personalised Strategies
Every client’s financial situation is different. Whether your priority is lowering repayments, unlocking equity, consolidating debt, or setting up for future investment, we build a strategy tailored to you.
Why it matters
The average Australian refinance saves $1,908 a year. Small wins add up! Cut years off your loan and/or build lasting wealth through smart investment portfolios.
Expert Guidance
With extensive knowledge of lender policies and access to a wide panel of banks and specialist lenders, we guide you through complex requirements and ensure your application is positioned strongly from the outset.
Why it matters
50+ lenders = better choices. Experience avoids mistakes and gets you sorted fast. Find the perfect lender for your situation.
Clear, Transparent Process
We explain fees upfront, outline realistic timelines, and keep you informed at every stage. There are no hidden surprises, and because we’re paid by the lender at settlement, our services come at no cost to you.
Why it matters
Smart tech and transparency build trust. That’s why we are an award-winning team with 70+ five-star Google reviews.
Common Refinancing Challenges
Refinancing can feel daunting, but our brokers make it manageable by solving the issues that commonly trip clients up:
Complex Lending Policies
Not all lenders accept every income type. We match your profile with the right lender to avoid unnecessary declines.
Documentation Issues
Missing payslips or tax returns can cause delays. We provide secure portals and checklists to keep things simple.
Credit Score Concerns
Past credit problems can affect approvals. We help strengthen your profile and connect you with flexible lenders.
Valuation Surprises
Low property valuations reduce borrowing power. Our mortgage brokers order upfront valuations across multiple lenders to find the best outcome.
Supporting Clients Across Australia
Based on Sydney’s Northern Beaches, Mortgages Plus works with clients in suburbs such as Manly, Dee Why, Narrabeen, and Avalon, as well as across Greater Sydney and regional NSW, including the North Shore, Inner West, Hunter Valley, and Central Coast. We also support clients nationwide, from Melbourne and Brisbane through to Adelaide and Perth.


Frequently Asked Questions
What are the benefits of refinancing?
Refinancing can deliver multiple benefits, including:
- Lower monthly repayments
- Equity release
- Debt consolidation
- Improved loan features
- Long-term savings
How do I know if refinancing is right for me?
You may want to consider refinancing if:
- Your interest rate is higher than what lenders are currently offering.
- Your financial goals have changed, such as planning renovations, investing, or wanting more flexibility in your repayments.
- You’d like to simplify your finances by consolidating multiple debts into one manageable repayment.
- You want to remove a guarantor or restructure your loan as your equity position has improved
If you’re unsure, we’ll review your current home loan against available options and give you a clear comparison of potential savings and features.
Can I refinance with a bad credit score?
Yes, refinancing is still possible even with credit challenges. While some banks are strict, there are flexible lenders who consider applicants with:
- Past defaults or late payments.
- Higher existing debts or credit card balances.
- Self-employed income with limited documentation.
We’ll help by identifying the right lender, advising on quick steps to improve your profile and presenting your application in the best light.
How much does refinancing cost?
Our services are completely free, meaning you won’t pay any upfront broker fees at Mortgages Plus. The main costs are typically small lender or government fees, as well as any early exit costs from your current home loan. All of these costs are calculated upfront to ensure there are no surprises. In many cases, lender incentives can help offset these costs, making refinancing even more worthwhile.
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Manly, NSW
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Belrose, Sydney
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Willoughby, Sydney
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