refinancing

let stellar finance group help you benefit from lower interest rates, reduced monthly payments, a different loan term, or access to home equity.

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.
Review
Home loan health check
Negotiate
Repricing or refinancing
Process
A done-for-you solution
REFINANCING

regular home loan reviews, on the house

The interest rate is what attracts the most attention, but it's not the only thing to consider. We'll assess your current loans based on how well they're structured, whether they're meeting your broader needs, and how competitive the fees and features are.
REFINANCING

We play hardball, so you don't have to

Securing a more competitive deal on your home loan doesn't always mean switching to a different lender. Sometimes it's about negotiating with the lender, based on what we know is on offer in the market. If there's a better option elsewhere, we'll find it and make it happen.
Refinancing

Collating industry offers and getting it done

There are hundreds of home loan products in the market, and our tech helps us analyse which will suit you and your situation, today and into the future. We then present you with tailored recommendations and oversee the process of switching.

refinancing - why the benefits are just too good not to

Life is full of changes, and your home loan should adapt to match your evolving needs. Whether your family has grown, your lifestyle has shifted, or your financial situation has improved, there may be a better loan out there for you. Refinancing offers the opportunity to explore new options and secure a deal that aligns with your current circumstances.

Perhaps you're eyeing a lower interest rate or seeking more flexible features to better suit your lifestyle. Maybe you're considering debt consolidation or leveraging your home equity for renovations or investments. Whatever your motivation, refinancing opens doors to new possibilities. Let's dive deeper into the top reasons to make the switch.


get a lower interest rate


Who doesn't love saving money? Refinancing for a lower interest rate not only puts more dollars back in your pocket but also has the potential to accelerate your journey to mortgage freedom. With reduced monthly repayments, you'll have extra cash to play with. Plus, if you redirect those savings into larger repayments, you could shrink your mortgage and slash your total interest payments. Since lenders use various factors to determine rates, it's wise to consult with a Home Lending Specialist or broker to uncover the best rates available to you.

tailor to your needs


Your home loan should be as dynamic as your life. Beyond just the interest rate, there are a plethora of features that could better suit your current circumstances. Perhaps you're eyeing options to minimize interest and expedite loan repayment, such as offset transaction accounts or the flexibility of making extra repayments. Maybe you're keen on diversifying your risk with a split between variable and fixed rates. Some loans offer customizable repayment frequencies, perks like rewards credit cards, or the freedom to redraw surplus repayments sans fees.

consolidate your finances


Seeking to streamline your finances and cut costs? Consolidating debts such as personal loans, car loans, or credit card balances into your mortgage could be the solution. While each lender has varying guidelines for consolidating multiple debts into one, many home loans offer this convenient feature. If you're looking to simplify your repayment process and potentially save money, debt consolidation could be a compelling reason to explore refinancing options.

accessing home equity


Unlocking the equity in your home can provide financial flexibility for various purposes, such as renovations or investments. Refinancing allows you to tap into the equity you've built up in your property over time, giving you access to funds that can be used to enhance your home or pursue other ventures. Whether you're planning to upgrade your property or embark on a new investment opportunity, refinancing to access your home equity offers a pathway to achieve your goals.

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Stellar Finance Group are used by ambitious people who want straight-talking guidance, personalised service, and amazing outcomes. We help ambitious people in Sydney – and beyond – achieve their big dreams!
Savvy Finance Pty Ltd ABN 85625275667 is authorised under LMG Broker Services Pty Ltd Australian Credit Licence 517192.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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