🔁 Refinancing

Reassess. Restructure. Save.

If your current loan no longer suits your situation, refinancing could help you save money, unlock equity, or gain more flexibility.

At Finance on the Coast, we work with borrowers who want to explore what else is available — across a panel of 40+ lenders. Whether you’re chasing a better rate or simplifying your finances, we’ll guide you through the process.

💡 Refinancing Options We Help With

📉 Rate Reduction Refinance

Interest rates change — and so should your loan.

• We compare your current loan against today’s market to see if you could reduce your repayments or secure better loan features.

💳 Debt Consolidation

Roll multiple debts (like personal loans, car loans, or credit cards) into one home loan — and potentially reduce your monthly outgoings.

We’ll help structure your refinance so it works with your goals and current financial picture.

🛠️ Cash Out for Renovation

If you’ve built up equity in your home, you may be able to access it to fund home improvements, investment plans, or personal goals.

We can help you apply for a refinance that includes cash out — and ensure lenders see a complete, accurate picture.

⚡ Rapid Refinancing

Some lenders offer a faster refinance process — where your new lender pays out the old one before funds are transferred.

It’s fast, seamless, and doesn’t cost extra (if you qualify). Let us know if you’re time-sensitive and we’ll explore this option for you.

✅ What You’ll Need to Refinance

Lenders will generally request:

• Current home loan statements
• Income documents
• Property value (a valuation may be required)
• Existing liabilities or credit limits
• Personal ID and basic documentation

We’ll help gather and submit everything — so you don’t have to chase paperwork.

🎧 Heard Us Talk About Refinancing?

If you heard one of our refinancing episodes on the Property & Mortgage Insights Australia 2025 podcast — welcome! This is where to start if you want to explore your options.

📞 Thinking About Switching Lenders?

You don’t need to decide today — but we can help you explore what’s possible.

🔗 Get Matched with a Refinance Broker →

📞 Or Contact Us for a quick chat.