Refinancing Home Loan in Ashfield NSW
Expert Refinancing Solutions from Your Local Mortgage Specialists
Refinancing your home loan in Ashfield NSW can help you secure a lower interest rate, reduce your monthly repayments, consolidate debt, or access equity for other financial goals. Our team of experienced mortgage brokers guides you through the refinancing process, ensuring you choose the right loan for your unique financial situation.
Enquire Now
Life Changes, and So Does Finance
The loan you signed up for a few years ago isn’t necessarily the right one for you today.
Making Sure Our Clients Are Sorted
When we help you get approved for finance to buy a property, it won't be the last you hear from us. We'll support you long-term.
Helping New Clients Refinance, Too
We work with many clients who know they're not getting the most optimal deal from their lender, and so seek out our help.
It’s time to make your home work harder for you
If you already own a property, you may be sitting on untapped equity. We can help you leverage this in a way that doesn’t compromise your lifestyle. Refinancing can also allow you to grow your investment portfolio by funding renovations or additional property purchases. Start your refinancing home loan application today.
Use our Loan Repayment Calculator or Refinance Calculator to estimate your repayments and potential interest savings.
Proven Expertise to Make Sure the Structure Supports the Strategy
With so many refinancing options available, including investment loans and fixed rate home loans, we ensure the structure of your home loan aligns with your financial goals. While interest rate is important, features like offset accounts, flexible repayments, and loan term options are also critical in optimising your refinancing home loan in Ashfield NSW.
INVESTMENT PROPERTY
Proven expertise to make sure the structure supports the strategy
There are so many refinancing home loan options out there, including investment-specific finance options. While the interest rate is important, it’s not the only cost of a to consider. We make sure the structure of all your loans supports your overarching property investment strategy.
There are no guarantees in life, but with our deep insight into the lenders’ closely-guarded policies, we can help you put your best foot forward and increase the likelihood of you being approved for your property investment or refinancing home loan.
Refinancing – Benefits That Make the Switch Worthwhile
Refinancing your home loan in Ashfield NSW can provide:
Lower interest rates to reduce monthly repayments
Access to home equity for renovations or investments
Debt consolidation for personal loans or credit cards
Flexible loan terms or additional repayments
Whether you want a fixed rate loan, variable loan, or split loan, our mortgage brokers help you select the right loan that fits your financial situation.
Get a Lower Interest Rate
Securing a lower interest rate on your home loan can reduce your monthly repayments, save on interest over time, and allow you to pay down your loan balance faster. Using our refinance calculator, you can see the potential savings from switching to a better loan option.
Get the Bells and Whistles
Modern home loans offer features such as:
Offset accounts to reduce interest
Flexible repayments and extra repayments
Split loan types (fixed + variable)
Rewards and cashback offers
Refinancing ensures your loan works for your lifestyle and investment goals.
Debt Consolidation
If you are managing multiple personal loans or debts, refinancing allows you to consolidate them into a single home loan. This can:
Reduce overall interest costs
Improve your credit score
Simplify monthly repayments
We’ll help you find the most suitable lender and loan option for consolidation.
Use Equity to Do the Things
Refinancing home loans in Ashfield NSW also gives you access to property equity. Use it for:
Home improvements or renovations
Investment property purchases
Funding business ventures
Our team ensures your refinancing aligns with your financial situation and long-term objectives.
How to Apply for Refinancing Home Loans
1. Review Your Current Home Loan
Assess your current loan, loan amount, interest rate, monthly repayments, and financial situation. Define your goal, lower interest rate, shorter loan term, equity access, or debt consolidation.
2. Compare Loan Options and Features
We compare loan options from multiple lenders, including Greater Bank, Regional Australia Bank, and other major lenders. Consider fixed rate loans, variable loans, offset accounts, and extra repayments.
3. Check Your Credit Score and Lending Criteria
Your credit score and financial situation affect your eligibility. Our home loan specialists guide you to lenders with the best terms for your refinance home loan application.
4. Submit Your Loan Application
Prepare documentation such as income proof, existing loan statements, and property valuations. We submit and manage your home loan refinance application for the best chance of approval.
5. Get Approved and Settle Your New Loan
Once approved, your current loan is replaced, and you begin repayments on your new home loan with better terms and potential cost savings.
Who We Are
DR. LISA BRIDGETT
Founded in March 2017 by Dr. Lisa Bridgett, Stellar Finance Group is a boutique mortgage brokerage dedicated to helping homeowners in Ashfield and Sydney’s Inner West take control of their finances.
Led by a PhD-qualified finance expert, our team provides personalised advice, strategic loan structuring, and end-to-end support. We work with a broad panel of lenders and understand the nuances of lending criteria, features, and policies.
Whether you are refinancing to lower repayments, switch to a fixed rate, or access your home equity, we help simplify the process, save you time, and ensure you make informed financial decisions. Our goal is to deliver solutions that suit your unique circumstances while reducing complexity and maximising the benefits of your home loan.
Refinancing Home Loans in Ashfield NSW
Refinancing for Homeowners
We assist homeowners across Sydney’s Inner West suburbs with:
Loan restructuring and refinancing in Annandale, Newtown, Enmore
Accessing equity in Drummoyne, Rozelle, Balmain
Debt consolidation and home improvements in Ashfield, Summer Hill, Leichhardt
We ensure your refinancing home loan aligns with your goals, lifestyle, and financial situation.
Choosing the Right Refinance Loan Option
Home loan types include:
Fixed rate loans – stable repayments and predictability
Variable loans – flexible loan term and rates
Split loans – fixed + variable features
Interest-only loans – preferred by property investors
Offset accounts – reduce interest rate using savings
We help you select the loan type that fits your strategy and borrowing power.
Refinancing as a Property Investor
For property investors in Ashfield and the Inner West, refinancing can support:
Purchasing additional investment properties
Renovations to increase rental yield
Leveraging equity to expand your property portfolio
We help structure investment loans that fit your risk profile and long-term strategy, ensuring your lending remains flexible as you grow your investments.
Debt Consolidation Through Refinancing
Refinancing also provides the opportunity to consolidate multiple debts, such as personal loans, credit cards, or car loans, into your home loan. This approach can:
Reduce overall interest costs
Improve your credit score by lowering unsecured debt
Simplify your monthly repayment obligations
We guide you through lender criteria to ensure debt consolidation is cost-effective and beneficial.
Mortgage Broking for Business Owners
Self-employed clients often face extra hurdles when refinancing due to complex income verification. We specialise in:
Business and commercial loans
Alternative documentation (Alt-doc) refinancing
Assessing borrowing capacity based on company structure
Managing Lenders Mortgage Insurance (LMI) for high LVR loans
We provide tailored refinancing solutions for tradespeople, consultants, creatives, and business owners, ensuring your loan works for both personal and business needs.
Refinance Tools & Resources
To assist you in exploring your options, we provide:
Loan Repayment Calculator – Estimate monthly repayments
Refinance Calculator – Project interest savings
Borrowing Power Calculator – Assess available funds
Stamp Duty & LMI Calculators – Estimate potential costs
These tools help homeowners in the Inner West of Sydney make informed decisions before committing to a new loan.
How a Refinancing Home Loan Works
Your Trusted Partner in Property and Finance
A refinancing home loan involves replacing your current home loan with a new loan, usually through a different lender, although you can also refinance with your existing lender. The goal is to improve your financial position by reducing your interest rate, changing your loan term, accessing equity, or consolidating debt.
Here’s how it works step-by-step:
1. Assess Your Current Loan
You begin by reviewing your current loan: the loan amount, monthly repayments, remaining loan term, and any loan features you currently have (like offset or redraw). This helps determine what you want to improve.
2. Compare New Loan Options
Next, you or your mortgage broker compare loan options from multiple lenders. The goal is to find a better interest rate or more flexible features, such as fixed rate loans, extra repayments, or lower fees and charges.
3. Apply with the Chosen Lender
Once you’ve chosen your new lender, you’ll go through the loan application process. This includes submitting financial documents, meeting the lender’s lending criteria, and passing a credit check.
4. Loan Approval & Settlement
If approved, your new loan is used to pay off your existing loan, and the refinancing process is completed. You’ll now make repayments to your new home loan provider, ideally with better terms or lower monthly payments.
5. Enjoy the Benefits
Once the switch is complete, you may enjoy benefits such as:
Lower home loan interest rates
Reduced monthly repayments
Access to equity for renovations or investments
Simplified debt consolidation
Greater flexibility with loan features
Frequently Asked Questions
What is a refinancing home loan?
A refinancing home loan replaces your current home loan with a new loan, usually with a different lender offering better rates, terms, or features. It can help reduce your monthly repayments, access equity, or consolidate debt.
Why should I refinance my home loan?
Common reasons to refinance include getting a lower interest rate, shortening your loan term, accessing equity for renovations or investment, switching from a fixed rate loan to variable (or vice versa), and consolidating debts like credit cards or personal loans.
How much can I borrow when refinancing?
Your loan amount depends on your property’s value, your income, expenses, credit history, and the lending criteria of the lender. We’ll help you assess your borrowing power and guide you through your loan application.
Can I refinance with bad credit?
Yes, refinancing is still possible with bad credit, although options may be limited. We can help match you with lenders who offer flexible solutions based on your financial situation.
Will I need to pay Lenders Mortgage Insurance (LMI) again?
Possibly. If your new loan amount exceeds 80% of your property’s value, you may need to pay Lenders Mortgage Insurance. We’ll assess your position to minimise costs where possible.
What costs are involved in refinancing?
Costs can include settlement fees, discharge fees from your current lender, government fees, and application fees from your new lender. We’ll provide a breakdown so you can weigh costs vs benefits.
How long does the refinancing process take?
On average, the refinancing process takes 2–4 weeks, depending on the lender and complexity of your application. Our team manages the process to keep things moving smoothly.
Can I use a refinance calculator?
Yes! Use our free refinance calculator to estimate potential savings and new monthly payments based on your desired loan term and interest rate.
Hear From Our Clients
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones
From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu
Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan
It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw
Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.
Renee Vella
Speak to Us
Speak With a Local Inner West Mortgage Broker
Contact Stellar Finance Group today for expert guidance on refinancing home loans in Ashfield NSW. Whether you want lower interest rates, equity access, or debt consolidation, our home loan specialists provide personalised support every step of the way.