Find a Better Home Loan
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Refinancing can help you secure a lower interest rate, reduce repayments, access equity, consolidate debts or get better loan features for your goals.
We compare loan options from 50+ lenders to find the right solution for you.
A better loan today can save you thousands tomorrow.
What is Home Loan Refinancing?
Refinancing means replacing your existing mortgage with a new loan, either with your current lender or a different lender.
Homeowners refinance to:
Why Refinance With Supreme Mortgage & Finance?
Competitive Rates
Access 50+ lenders and compare competitive rates and loan features to suit your goals.
Save Time & Effort
We compare lenders, identify the best options and manage the process from start to finish.
Pre-Assessment
We assess your financial situation before applying to the right lender and avoid unnecessary credit enquiries.
Expert Advice
We explain loan options in simple terms so you can make informed decisions with confidence.
Ongoing Support
We stay with you after settlement with ongoing reviews, support and future loan assistance.
Benefits of Refinancing Your Home Loan
Lower Interest Rates
Even a small rate reduction can save you thousands over the life of your loan.
Lower Monthly Repayments
Reduce your repayments and improve your cash flow.
Access Equity
Use your available equity for renovations, investments, debt consolidation, business or major lifestyle purchases.
Consolidate Debts
Combine credit cards, personal loans and other debts into one manageable repayment.
Improve Loan Features
Access offset accounts, redraw facilities, flexible repayments and split loan structures.
When Should You Consider Refinancing?
It's a good idea to review your home loan every 2 to 4 years.
You may benefit from refinancing if:
- Your current interest rate is no longer competitive
- Your fixed rate period is ending
- Your financial circumstances have improved
- Your property value has increased
- You want to access equity
- You need additional loan features
- Your lender won't offer a better rate
The Home Loan Refinancing Process
Identify Your Goals
Understand your objectives and what you want to achieve.
Review Costs & Potential Savings
We compare costs against potential savings to ensure it's worthwhile.
Assess Your Equity Position
We assess your property value and available equity.
Gather Documents
We help you prepare and submit required documents.
Loan Assessment & Comparison
We compare loan options from 50+ lenders for you.
Application & Approval
We manage your application and secure approval.
Settlement & Loan Transfer
Your new lender pays out your old loan and your new loan begins.
Full Doc vs Low Doc vs Specialist Lending
| Feature | Full Doc Home Loan | Low Doc Home Loan | Specialist Lending |
|---|---|---|---|
| Income Verification | Tax returns, financial statements, NOA | BAS, bank statements, accountant declaration | Alternative assessment methods |
| Self-Employment History | Usually 1–2 years | Generally 6–12 months minimum | Case-by-case assessment |
| Maximum LVR | Up to 95% with eligible lenders | Generally up to 80% | Typically up to 60% |
| Interest Rates | Most competitive | Slightly higher than standard rates | Higher due to increased risk |
| Suitable For | Borrowers with complete financial records | Borrowers with limited documentation | Borrowers requiring flexible assessment |