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.

70+ 5-star Google Reviews

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.

Getting Investors the sharpest products

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.

Photo of Chris the Mortgage Broker
A beautiful cathedral cove in New Zealand with water and blue sky

Ready to Refinance?

No upfront fee. Clear advice. Personalised support.

Take the next step towards smarter loan structures and long-term savings. Call us today at +61 (0) 447 222 628 or start the process now.

Mortgages Plus
Mortgages Plus
Mortgages Plus
Mortgages Plus
Mortgages Plus

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.

Get In Touch

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.

Don’t just take our word for it
See for yourself what our clients think with 70+ five star reviews on Google
“We can’t recommend Chris highly enough! He not only secured us a great rate but did so with lightning speed and amazing communication along the way. If you are looking for a mortgage broker who combines great expertise, incredible efficiency and a genuine passion for his clients’ success... Chris is the one!”

Nicole + Tristan

Manly, NSW

"Best broker in Manly and on the Northern Beaches!! Chris made the whole process easy and worked tirelessly to get the result I needed. What really impressed me was that he followed up with all parties throughout the entire process and ultimately drove a fast and successful outcome. He found the best deal for my situation, kept me informed every step of the way, and took care of everything - right through to arranging settlement. He even managed to bring the settlement date forward so the funds were in my account before I went overseas. That level of service is rare. I highly recommend Chris and will definitely be using his services again. Excellent broker and broker for life. 💪"

Luke + Melissa

Manly, NSW

"Chris is my Mortgage Broker and drove the process for my wife and I to secure our first property this year. He was fantastic to work with from start to finish. Being our first purchase, we had plenty of questions and many blind spots through the process which Chris was able to very effectively guide us through. He was able to provide excellent broker advice, as well as very helpful advice and coaching to help us better understand the properties we were pursuing as an impartial observer. I would absolutely recommend him for my friends and family, as he secured us a great rate, was extremely transparent on our financial position and the options it allowed for, and communicated clearly & promptly at every step. Looking forward to continuing working with him into the future!"

Alex + Naomi

Manly, NSW

"My wife and I couldn't be happier with the service provided by Chris. After being frustrated and disappointed by other brokers, Chris was a total breath of fresh air and made purchasing our first home on the Northern Beaches a reality. From our first contact, Chris was excellent across the process: highly organised, approachable, and a great communicator. He was completely upfront with expectations, and his tools for comparing lenders gave us fantastic visibility of our options. Chris was constantly on top of the process, from securing our initial pre-approval to finalising the bank arrangements promptly after purchase. ​If you need a broker who is a true professional, solution-focused, and delivers results, we absolutely recommend Chris to anyone! "

Francois R

Belrose, Sydney

"Chris is an absolute godsend, we initially messaged Chris having no idea what is involved with buying our first home or if it was even possible. We dotted the i's and crossed the t's and he took care of the rest. I've gained so much knowledge and insight throughout this process thanks to Chris and have really enjoyed working with him, I cannot fault this experience at all. Today is the day we got our approval and it all wouldn't have been possible if we didn't have Chris on our side. I cannot recommend him enough for anyone considering buying their first home, especially if you are a fellow kiwi he is equipped with all the knowledge. Our new home is going to be filled with memories of our family and a reminder of our amazing mortgage broker who helped us to be able to create those memories. Thank you for your professionalism, guidance and patience and sharing your knowledge with us Chris. You are an absolute legend!"

Char + Eric

Melbourne, VIC

"Chris is excellent. From the first meeting, he was friendly, professional and prompt. He helped to find actionable solutions and work around our needs to deliver a product that met our requirements. He made himself available constantly and was proactive in progressing matters. It is rare to find someone that is both so helpful and responsive. 10/10"

Tanya + Egor

Willoughby, Sydney

"Chris has been an absolute diamond! He is responsive, friendly and incredibly professional all while getting the best deal for us as we purchase our first home in Australia. He has taken the time to answer all our questions (there have been plenty!) and made sure we are certain of every process step. We honestly feel we have hit the jackpot with Chris and I cannot recommend him highly enough. If you are looking for a broker, you cannot go wrong with Chris. Thank you for your continued support!"

Hannah + Leron

Manly, NSW

"We recently worked with Chris to refinance our property, and the experience was outstanding from start to finish. He was instrumental in helping us secure the best possible deal, moved quickly through every step of the process, and took the time to clearly explain all the details along the way. We highly recommend Chris to anyone looking for property advice! "

Catalina

St Leonards, NSW

"From the outset, Chris demonstrated exceptional professionalism, clear communication, and a thorough understanding of both the lending environment and the unique challenges faced by self-employed expats. He worked diligently with the banks, explored every possible avenue, and ultimately secured the finance I needed — something others had said wasn’t possible! If you’re navigating a complex lending situation, especially as a New Zealander in Australia, Chris is absolutely the person you want in your corner."

Bianca + Clinton

Perth, WA

"Chris Dodson is a home loan wizard. I called Chris the day we found out an upstairs apartment was selling before going to market, and within less than 2 weeks, we paid our deposit and secured our home loan. Chris was calm, patient, very informative and provided continuous updates on how the process was tracking with the bank which was invaluable as first home buyers who were under time constraints. We cannot commend Chris enough for his hard work in helping us secure our first home loan and will definitely be recommending his services to anyone who is looking to buy a home."

Lara + Greg

Manly, NSW

"Chris was key in helping us get everything over the line. We’ve been overseas for the past four years, so getting the paperwork sorted and finding the right bank was no easy task. Chris went above and beyond to secure our home loan approval despite the challenges. What sets Chris apart is his responsiveness. He always picks up the phone and gets things done. I highly recommend Chris as your go-to guy for home loan approvals if somebody is looking for an expert and reliable person"

Zeeshan

Dubai, UAE

"Chris was outstanding in guiding us through our first home purchase. Despite our complex financial situation, his clear advice made the process effortless. We highly recommend his services and will use him again for all our home buying needs. Excellent Service, 5 stars! "

Andy + Jan

Manly, NSW

"As a first-time buyer in Australia, Chris has been invaluable. He’s been a mentor for me over the past few months, is a wealth of knowledge and always makes the time to chat or meet up. Thanks for your ongoing support! Highly Recommend."

Emma

Manly, NSW

"Had the best experience from the get go having Chris Dodson assist us in getting access to equity. He kept us in the loop every step of the way & gave us continuous positive feedback which made us confident thoughtout the whole experience. We are thankful and very appreciative."

Warren + Sian

Perth, WA

"Chris was highly recommended to me by a friend and I am extremely grateful for his commitment to the process, achieving me very impressive results. Chris went above and beyond my expectations to ensure that my financial goals were met by the best possible lending agency for my individual circumstance. I have no hesitation in recommending Chris to everyone I know. An outstanding financial service."

Julie

Wollongong, NSW

"We cannot recommend Chris highly enough. He has guided us through what can be an incredibly stressful, complicated, and high stakes time, always with a steady hand and good humour. Infinite patience and a wealth of experience. Highly recommend, five stars!"

Kim + Rob

Northern Beaches, NSW