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HOME LOAN REFINANCING

Unlock a Better Home Loan

Whether you're looking to reduce your repayments, access equity or simply secure a more competitive interest rate, refinancing can create greater flexibility and help your loan work harder for you. We'll compare options across 70+ lenders, guide you through every step and take care of the details along the way.

In our experience, this is going to be easier than you think.

Review your home loan

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We handle the entire
refinancing process

Put simply, refinancing is replacing your current home loan with a new one. The right refinance can save you thousands each year through lower interest rates, improved loan features and repayments that better suit your lifestyle.

If you've been wondering whether you're paying more than you should be, we'd love to help. Simply get in touch and we'll assess your current loan, compare options across our extensive panel of lenders and provide honest advice on whether refinancing is the right move for you.

Do you feel like you’re paying more than you should be?

Review your home loan

Why Refinance?

Reduce Your Repayments.

Lowering your interest rate or restructuring your loan can significantly reduce your monthly repayments, helping you free up cash flow while keeping your long-term goals on track.

Access Equity.

Your home's equity can help fund what's next—whether that's purchasing an investment property, renovating your home, buying a new car or simply creating greater financial flexibility.

Access Better Loan Features.

Refinancing isn't just about securing a lower interest rate. We'll compare loan features such as offset accounts, redraw facilities and cashback offers to find a solution that suits your needs.

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“We had a great experience refinancing our home loan with Soho Financial. Our new loan was approved very quickly - within 24 hours of submitting documents!”

"Hayden was very helpful and professional through the whole process, answering our questions and letting us know how each stage was progressing as we went. We really appreciate how easy the whole process was, and that through the more complex stages, Hayden was proactive in directing us. We’d highly recommend Soho Financial to anyone looking to refinance or take out a loan.

- Amelia C

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Your home loan should evolve with you

Life changes, interest rates change and your financial goals change. If it's been a while since you reviewed your home loan, there's a good chance there may be a more suitable option available.

Signs it might be time to refinance:

✓ Your fixed rate is ending

✓ Interest rates have changed

✓ Your property has increased in value

✓ You'd like to reduce your repayments

✓ You want to renovate or purchase another property

✓ You're looking to consolidate debt

✓ Your financial circumstances have changed

Frequently Asked Questions

We've answered some of the most common questions about refinancing to help you better understand the process. If you can't find what you're looking for, our team is always here to help.

  • As a homeowner with a mortgage, chances are you’ve heard of the term 'refinancing'.

    Refinancing involves reviewing your current mortgage, and potentially swapping your loan to another lender, who can better meet your current needs, wants and circumstances.

    READ MORE →

  • Offset accounts and redraw facilities work in similar ways. They both allow you to reduce the balance of your home loan, and therefore the interest charged, by applying extra money to your debt.

    Deciding between an offset account and a redraw facility on your home loan largely depends on how accessible you need your extra money to be.

    READ MORE →

  • If your fixed-rate home loan is coming to an end, now is one of the best times to review your mortgage. Once your fixed term expires, many lenders automatically move borrowers onto their standard variable rate—which may no longer be the most competitive option available.

    Rather than rolling onto a higher interest rate, it's worth taking the opportunity to compare your options. Refinancing at the end of your fixed term could help you reduce your repayments, access better loan features or find a loan that's better aligned with your current financial goals.

Ready to See What's Possible?

We'll review your current loan, compare your options and provide honest advice on whether refinancing is the right move for you.