Refinancing · Sydney
Stop paying more than you need to.
If you haven't reviewed your home loan in the last two years, there's a good chance you're overpaying. A refinance review takes 30 minutes and could save you thousands each year.
General information only. Not personal financial advice.
Who it's for
Is this right for you?
Paying the loyalty tax
If you've been with your lender for more than two years and haven't reviewed your rate, chances are there's a better deal available. It costs nothing to find out.
Wanting to access equity
If your property has grown in value, refinancing can let you access that equity to renovate, invest, or consolidate debt on better terms.
Your situation has changed
Income change, new job, growing family. Life moves fast and your loan should keep up. We review where you stand and find a structure that suits you now.
How we help
What you get with Swish
We compare your current rate against what's available on the market so you can see clearly what you might be missing out on.
We compare options across our full lender panel, including lenders you may not have considered before.
Refinancing can feel overwhelming. We handle the process from start to finish so you don't have to.
Some lenders offer cashback deals to win your business. We factor these in to show you the true cost and benefit of switching.
We calculate break costs, discharge fees, and any other costs upfront so you know exactly what the switch will cost, and whether it's worth it.
We keep an eye on your rate over time and let you know when it makes sense to review again.
Ready to get started?
Book a no-obligation chat with Matt or Jess. Clear advice, no pressure, at no upfront cost to you.
General information only. Not personal financial advice.
How it works
Simple from the very first call
We have a chat
Tell us about your situation. We ask the right questions to understand your goals, budget, and timeline, with no obligation.
We research your options
We search our lender panel and compare options that suit your needs. We explain the differences clearly so you can make a confident decision.
We get it across the line
We manage the paperwork, liaise with the lender, and keep you updated every step of the way to settlement.
Common questions
Straight answers
How do I know if refinancing is worth it?
The key question is whether the saving over time outweighs the cost of switching. We run through this calculation with you so you can make a clear-headed decision. In many cases, clients save thousands per year.
How long does refinancing take?
Most refinances settle within two to four weeks. It's often simpler than a new purchase loan because you already own the property.
Will refinancing affect my credit score?
Every loan application involves a credit enquiry, which has a small temporary effect on your score. We help you avoid unnecessary enquiries by only applying to lenders where your application is strong.
What does it cost to refinance?
Costs vary but can include a discharge fee from your current lender and application fees with the new lender. We calculate all of these upfront before you commit to anything.
Ready to take the next step?
Book a no-obligation chat with Matt or Jess. No pressure, no jargon, just clear advice tailored to your situation.