Refinance mortgage broker in Adelaide.
We review your current loan against 40+ lenders and tell you plainly whether switching is worth it. If staying put is the better option, we will say so.
George Karpathakis, Co-Founder & DirectorYour enquiry comes straight to our team. We usually reply within one business day.
What a refinance review covers
We look at your rate, fees, loan structure and features such as offset, along with what your property is worth now. Then we compare the market and set out what switching would cost and save, including discharge fees, any fixed-rate break costs and government charges.
- A sharper rate on the same loan amount.
- Equity release for renovations, an investment deposit or other goals.
- Debt consolidation, with a plan to pay the debts off rather than stretch them over 30 years.
- Restructuring: splitting fixed and variable, adding an offset, or moving from interest-only to principal and interest.
Sometimes your current lender is the answer
If your existing lender will reprice your loan to a competitive level, that can be the simplest outcome, and we will tell you when it is. When switching makes sense, we handle the application, the discharge from your old lender and the settlement.
Equity and your property's value
If your Adelaide property has grown in value since you bought it, your loan-to-value ratio may have fallen. That can open up sharper pricing or usable equity. Every refinance includes a valuation, and where the lender allows we order it before you commit. Run your own numbers with the refinance savings calculator.
Who you'll work with
You deal with one broker from the first call to settlement: George Karpathakis or Tony Santoro, both based at our Thebarton office. Meet us in person, or do the whole process by phone and video.
How a refinance works.
Review call
We go through your current loan, goals and any upcoming changes.
Compare
We compare 40+ lenders and show you the costs and savings of switching.
Apply
We prepare and lodge the application and manage the valuation.
Switch
We coordinate the discharge and settlement with both lenders.
Rated 5.0 on Google.
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.
We had a great experience refinancing our home with George Karpathakis. He made the entire process smooth, transparent, and stress-free. He guided us through every step of the process, even sometimes after hours. George answered all our questions promptly and secured a much lower interest rate. We highly recommend his services to anyone looking to refinance.
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!
Refinancing questions.
Get a free refinance review.
Find out whether switching is worth it. If it is not, we will tell you.