Refinance and start saving.
Your current rate may not be your best rate. We compare 40+ lenders to find potential savings on your interest rate and monthly repayments, then handle the switch for you. If we can't beat what you have, we'll tell you.
Get your refinance options
Free, no obligation, and it won't affect your credit score.
George Karpathakis, Co-Founder & DirectorYour enquiry comes straight to our team. We usually reply within one business day.
Is your home loan still working for you?
Lenders tend to save their sharpest pricing for new customers. If you took out your loan a few years ago and haven't reviewed it since, there's a good chance you're paying more than a new borrower with the same profile. That gap is sometimes called the loyalty tax, and a refinance is how you stop paying it.
Refinancing means replacing your existing home loan with a new one, either with a different lender or on a better deal with your current one. It can lower your rate, reduce your repayments, shorten your loan term, add features like an offset account, or release equity for renovations, investing or consolidating debts.
At LendQuest we review your current loan, compare it against a panel of more than 40 lenders, and lay out the options in plain language. If switching makes sense, we manage the whole process through to settlement. If it doesn't, we'll tell you that too, including when refinancing is the wrong move.
Refinancing usually makes sense when
- Your rate is noticeably higher than what lenders are offering new customers with a similar loan.
- Your fixed term is ending and you're about to roll onto a higher revert rate.
- Your property value has grown, so a lower loan-to-value ratio could unlock better pricing.
- You want to consolidate higher-interest debts, fund a renovation or buy an investment property.
- Your loan is missing features you now want, such as an offset account or split rate.
Illustrative estimate only, not a quote or offer. Actual savings depend on your circumstances, the lender and approval.
What a lower rate is worth
Move the sliders to see roughly what a sharper rate could save on your balance each month and over five years.
The figure is an estimate. Your real saving depends on the rate a lender offers you, the fees involved and your loan term. On your game plan call we work out the actual numbers, including any switching costs, so you can see the net benefit before you decide.
Want to test other scenarios? Try the refinance savings calculator or the repayment calculator.
What does refinancing with us look like?
Free rate review
A 15-minute call about your loan, goals and timing. We look at your current rate, fees, features and any fixed-rate break costs.
Compare 40+ lenders
We shortlist the lenders whose pricing and policy suit you and show you the options side by side, with the switching costs included.
Application and approval
We prepare and lodge the application, arrange the valuation and deal with the lender. You sign electronically.
Settlement
We coordinate the discharge from your old lender and settlement on the new loan. A straightforward refinance usually takes two to four weeks.
What you'll need
Having paperwork ready is the biggest factor in how fast a refinance moves. For most people that means:
- Photo ID for each borrower.
- Recent payslips, or tax returns and financials if you're self-employed.
- Your latest home loan statements, showing the balance and repayment history.
- Statements for any other debts, such as credit cards, car loans or personal loans.
- A summary of your living expenses (we help you put this together).
The full checklist is in what documents you need for a home loan.
Refinancing for different goals
Most refinances fall into one of these. We handle all of them.
Lower rate
Move to a sharper rate with the same or a new lender and put the saving back into your pocket or your loan.
Fixed term ending
Review your options before you roll onto the revert rate, and decide whether to fix again, go variable or split.
Debt consolidation
Roll higher-interest debts into your home loan with a plan to pay them off rather than stretch them over 30 years.
Release equity
Use the equity you've built for renovations, an investment deposit or other goals, with repayments you can hold.
Self-employed or complex income
Move to a lender whose policy reads your income properly, which can improve both rate and borrowing capacity.
Rated 5.0 on Google.
I had a great experience working with Ari Karapetsas from LendQuest for my home loan refinance. From the beginning, Ari was professional, knowledgeable, and very easy to deal with and kept me informed throughout the whole process.
What I appreciated most was how responsive and helpful he was whenever I had questions. He made what could have been a stressful process feel simple and straightforward, and he went above and beyond to make sure everything was organised and completed smoothly.
I’m very happy with the outcome and would definitely recommend Ari to anyone looking for a reliable and trustworthy home loan broker. Thank you, Ari, for all your help!
Tony Santoro made what could have been a stressful refinance process feel simple from start to finish. He was always professional, responsive, and took the time to explain every step clearly. Whenever I had questions, he replied quickly and made sure I understood all my options without any pressure.
His attention to detail and commitment to getting the best outcome gave me complete confidence throughout the process. Thanks to Tony, everything went smoothly and exactly as promised.
If you're looking for a knowledgeable, honest, and reliable mortgage broker who genuinely looks after his clients, I highly recommend Tony Santoro. I wouldn't hesitate to use his services again or recommend him to family and friends. Thank you, Tony!
I couldn’t be happier with the service I received. From start to finish, the entire refinancing process was smooth, professional, and stress-free. George took the time to understand my financial goals and worked hard to help me withdraw the maximum amount of equity from my property while refinancing my loans to a much lower interest rate.
His knowledge, communication, and attention to detail were outstanding. His team explained every step clearly, found me an excellent deal and maximum equity- an impossible task for many other mortgage experts.
I highly recommend George to anyone looking for a trustworthy and knowledgeable mortgage broker.
Refinancing questions, answered.
Let's review your rate.
Book a free game plan call and we'll show you what switching would save, with the costs included. Wherever you are in Australia.