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Stop Overpaying.
Refinance & Save.
Most Australians are paying more than they should. In under 10 minutes, our brokers compare 90+ lenders to find a better deal — no obligation, no credit check required.
How much could you save?
Plug in your current rate and loan details. See your potential monthly saving instantly — no sign-up required.
Your Current Loan
Adjust the sliders or type your numbers
Monthly saving
back in your pocket every month
$2,877
Annual
$71,913
25yr total
13 mo
Breakeven
Monthly repayment comparison
General Information Only — Not Financial Advice
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.
The results generated by this tool are estimates only, provided for general information purposes, and do not constitute personal financial, taxation or legal advice. Results are based on the inputs you have entered and a number of assumptions that may not reflect your actual circumstances. Farzin Ghaffari Hesari is a credit representative (CRN 577919) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. Consolidated Funding Group Pty Ltd (ACN 119 381 832) as trustee for Hesari Business Trust (ABN 23 623 634 518) t/as Fairbanks Financial Group recommends you seek qualified professional advice before making any financial decisions.
Savings estimates are based on the inputs provided and a number of assumptions. Actual savings will vary depending on your loan balance, remaining term, lender fees and break costs. Always obtain a full cost comparison from your broker before refinancing.
Refinance smarter
in 2026
Whether you're chasing a lower rate, unlocking equity, or rolling high-interest debt into one manageable repayment — 2026 is the year to act. Here's why thousands of Australians are refinancing right now.
Consolidate debt into one lower repayment
Rolling high-interest credit cards, personal loans, and car finance into your home loan can dramatically reduce your monthly outgoings. With home loan rates far below personal lending rates, refinancing to consolidate is one of the fastest ways to free up cash flow.
Your home value has likely increased
Many Australians who bought 3–5 years ago now sit in a much stronger LVR position. A lower LVR unlocks better rates, the ability to remove LMI, and access to cash-out equity for renovations or investment.
Your lender loyalty is costing you
Lenders routinely offer better rates to new customers than loyal ones. If you haven't reviewed your rate in 2+ years, there's a very high chance you're paying a "loyalty tax" — often 0.5–1.2% above the best available rate.
Do any of these sound like you?
These are the most common triggers that signal a refinance could save you thousands.
How much could you save
by consolidating?
Enter your current debts below and see exactly how much you could free up each month by rolling them into your home loan at a lower rate.
Total debt
$48,500
Monthly payments
$1,165
Monthly interest
$492
Consolidated rate assumed at 6.1% p.a. variable over 30 years. For illustrative purposes only — actual savings depend on your loan terms and lender.
Monthly cash flow freed up
$871
per month
Annual saving
$10,453
Interest saved/mo
$246
Before vs. after consolidation
Free — no credit check required
What's your property worth today?
Property values have moved significantly. Find out how much equity you've built — and whether it unlocks a better rate or removes your LMI.
Your Property Details
Adjust the sliders or type your numbers
Est. avg. annual growth (NSW (Sydney)): 6.8% p.a.
* Estimates based on historical median growth rates. Actual values vary by property type and suburb.
Estimated Current Value
estimated market value today
Property Value Growth
Hover to inspect year$492,120
Your Equity
built up
$283,696
Usable Equity
at 80% LVR
52.8%
LVR
Elite LVR
Loan-to-Value Ratio
Elite LVR
Access to lowest rates on the market. Top tier lender pricing.
No LMI requiredWhat your equity
could unlock
Your home is your greatest financial asset. Enter your current position to see which goals your equity can fund — today.
Total Equity
$380K
Usable Equity (80% LVR)
$160K
Current LVR
65.5%
Add value & lifestyle
Home Renovation
Kitchen, extension, pool or full reno — tap equity to transform your home without touching your savings.
Typical project range
$50K – $250K
Your Usable Equity
$160K
What you'd gain
Usable equity is indicative only, calculated at 80% LVR. Actual accessible equity depends on your lender's policies, income, credit profile and property valuation. Consult a Fairbanks broker for personalised advice.
Choose your refinance strategy
The right loan type depends on your goals, timeline and risk appetite. Here's a plain-English comparison.
Variable Rate
Rate moves with the market. When the RBA cuts, your repayments drop automatically.
Indicative Rate From
Comparison Rate: 5.89% p.a.*
*Rates are indicative only and subject to lender credit assessment. See Comparison Rate Warning below.
Advantages
- Benefit immediately from rate cuts
- Offset account available
- Redraw facility included
- No break costs to exit
- Extra repayments any time
Watch Out For
- Rate can rise with market moves
- Less certainty on repayments
Ideal For
Comparison Rate Warning — Required Disclosure
Last verified vs ASIC RG 234: 2026-04-12The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For variable interest-only loans, comparison rates are based on an initial 5-year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
From enquiry to
lower repayments in 5 steps
Most clients are on a better rate within 2–3 weeks. Step through the process below.
We compare 90+ lenders
Our brokers run a full market comparison across our panel of over 90 lenders — banks, non-banks and specialist lenders. We present the top 3 options with a clear breakdown.
How long will my refinance take?
Adjust your situation to see a personalised timeline estimate
You're in the fast lane
Your situation is ideal for an express refinance — most clients in this position settle within 2 weeks.
* Timeline estimates are indicative only and based on typical processing times. Actual timelines vary by lender, property type and individual circumstances. Speak to a Fairbanks broker for a personalised assessment.
What does refinancing cost?
Costs are almost always recovered within 6–12 months of lower repayments. Tap a row for details.
| Cost Item | Amount | |
|---|---|---|
Discharge fee (current lender) | $150–$400 | |
Government registration fee | ~$200 | |
Valuation fee | Often waived | |
Fairbanks broker fee | No cost | |
Break cost (fixed loans) | Varies |
Rule of thumb
If your rate saving is 0.3% or more on a loan over $300k, refinancing typically pays for itself within 6 months. We'll calculate this exactly for you in your initial consultation.
No cost · No credit check · Takes ~10 minutes
Your equity details will be pre-filled from the estimator above
Why use a broker instead of
going direct?
A lot of borrowers assume going straight to their bank is simpler. Here's an honest side-by-side look at what you actually get.
Going Direct to a Bank
Standard approach — what most borrowers default to
Lenders available
1 bank
Only their own products
Rate offered
Standard rate
No negotiation leverage
Time spent
10–15+ hrs
Research, calls, paperwork on you
Application support
Self-service
You fill in the forms alone
Advocacy
None
The bank works for the bank
Best interests advice
No
Salaried staff push bank products
Cost to you
Varies
Application fees may apply
Refinancing support
Limited
Need to re-apply from scratch
Using a Fairbanks Broker
Best interests advice across 90+ lenders
Lenders available
90+ lenders
Banks, non-banks & specialists
Rate offered
Best available
We negotiate across the market
Time spent
~1 hour yours
We handle everything else
Application support
Full service
We prepare & lodge for you
Advocacy
Always on your side
We work for you, not the lender
Best interests advice
Yes
ASIC-authorised, Best Interests Duty
Cost to you
No cost
Paid by the lender, not you
Refinancing support
Ongoing
We review your rate every year
The verdict: brokers almost always win
Brokers are paid by the lender — not you — so there's genuinely no downside to using one. The only reason to go direct is if you already know your exact lender, product and rate. Otherwise, let us do the work.
Common refinance questions
Everything you need to know about refinancing — plain English, no jargon.
General Information Warning: The information on this page is general in nature and does not constitute personal financial advice. Savings figures are indicative only and based on average client outcomes — individual results will vary depending on loan size, current rate, and personal circumstances. Before acting on any information, seek professional advice. Consolidated Funding Group Pty Ltd (ACN 119 381 832) t/as Fairbanks Financial Group. Credit services provided by Farzin Ghaffari Hesari, credit representative (CRN 577919) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192 | FBAA m-330508 | AFCA #48367.
Ready to find a better rate?
Free, no-obligation comparison across 90+ lenders. Most clients have a rate in hand within 24 hours.
Power to theborrower.
†Based on verified Google reviews. Rates indicative only and subject to change. Credit criteria apply. Lender-paid service — no cost to you.