Gain access to 25+ Lenders

Refinance your home loan and discover the power of choice with our access to 25+ lenders. Secure better rates and embrace a smarter way to save on your mortgage. Explore a world of possibilities today.

How we work

  • 1

    Tell us about you

  • 2

    We get your options

  • 3

    You upload your docs

  • 4

    Choose your loan

  • 5

    Settle your loan

What our clients say

Your Smart Savings could be just one phone call away…

Discover the key to Smart Savings with just one phone call. At RefiCity, we specialize in empowering our clients to make intelligent financial choices. By leveraging our expertise as mortgage brokers, we navigate the intricate landscape of home loans to secure the best rates and terms tailored to your unique needs. Take that first step towards a brighter financial future today and let us unlock the doors to your Smart Savings!

Phenomenal

Matt was extremely helpful throughout the entire process. He was knowledgeable and efficient, and always kept us up to date when changes occurred. He investigated and solved issues with the bank to speed up our process when there were delays, which was much appreciated. I would highly recommend Matt and his team!

The smart answer to your savings

Refinance your home loan with us, your trusted mortgage broker. We specialise in finding intelligent solutions to maximize your savings, securing competitive rates, and optimising your mortgage structure. Rest assured, we’re here to guide you towards smarter financial choices. Take that important first step towards a brighter financial future today, and let us show you the smart way to save! With access to 25+ lenders, discover the power of choice and embrace a smarter way to save on your mortgage. Explore a world of possibilities now.

Refinancing you home loan involves the process of paying off an existing mortgage loan with a new loan that offers better terms. These improved terms could include a lower interest rate, an extended repayment period, or even reduced monthly payments. By opting for mortgage refinancing, you can potentially enhance your financial situation and enjoy more favourable loan conditions.

There are several compelling reasons to consider refinancing your mortgage. Firstly, if you can secure a lower interest rate, it can lead to significant cost savings over time. Secondly, shortening the term of your loan through refinancing can help you become mortgage-free sooner and save on interest payments. Additionally, if you’re considering a shift from a fixed-rate mortgage to an adjustable-rate mortgage, refinancing can accommodate this change in preference. Lastly, refinancing also provides an opportunity to access the equity in your home, which can be beneficial for various financial needs. We advise carefully evaluating these factors to make an informed decision about refinancing your mortgage.

What are the costs associated with mortgage refinancing?

Mortgage refinancing, in most cases, entails closing costs, which encompass loan origination fees, appraisal fees, title search fees, and other charges. It’s essential to note that these costs can vary depending on the lender and the type of loan you choose. However, to alleviate the financial burden, many lenders provide cash-back incentives to cover these switching fees.

Your credit score plays a pivotal role in determining not only whether you can qualify for a refinanced mortgage loan but also the interest rate you will be offered. Importantly, a higher credit score can significantly enhance your chances of qualifying for better terms and securing lower interest rates.

To begin the mortgage refinancing process, you will need to provide comprehensive documentation of your income, assets, and debts. These documents may include pay slips, tax returns, bank statements, and other financial records, depending on whether you are self-employed or employed by someone. Additionally, you will be required to furnish essential details about your current mortgage loan and the property you intend to refinance. These pieces of information are vital for initiating the refinancing application and ensuring a smooth and efficient process.