Build a structure that fits
Consider the features, access and structure that may better support what comes next.
Refinance pathway
Refinance your home loan
for the life you have now.
A refinance review compares your current loan, costs, structure and goals with options that may suit your position now. Work directly with a Sydney-based mortgage broker supporting clients across Australia.
Current positionWhat comes next
The wider view
A better loan is more
than a better rate.
The cost
Understand what the loan is really costing you.
01The structure
Look at how the loan is built and how it works.
02The fit
Make sure the loan still fits the life around it.
03Before switching home loans
What should a refinance
review consider?
Refinancing is not only a rate comparison. A useful review considers the full cost of changing loans, the features you use, the remaining term and whether the new structure supports a clear goal.
Interest rate and total cost
Compare repayments and interest over an appropriate period, then account for discharge fees, application or valuation costs and any ongoing package fees. A lower advertised rate does not automatically mean a lower overall cost.
Loan term and repayments
Reducing repayments by restarting a longer loan term may improve monthly cash flow but can increase total interest paid. Compare both the immediate repayment and the longer-term effect.
Features and flexibility
Consider offset accounts, redraw, additional repayments, fixed or variable portions and how easily you can adjust the loan later. Useful features should support how you actually manage money.
Equity and future plans
Available equity may support renovation, investment or another defined purpose, subject to lender assessment and valuation. Increasing a secured loan also increases debt and should be considered in the wider financial position.
Use the home-loan repayment calculators, explore the Falcon lending guides, or request a refinance conversation.
A practical pathway
A clear review.
A practical next step.
Review
Start with the current loan, your position and what you want to change.
Compare
Consider suitable options and the practical implications of moving.
Decide
Choose the next step with a clearer view of the whole position.
Refinancing questions
Understand the change
before you switch.
These general answers help frame a refinance review. Whether refinancing is suitable depends on your current loan, goals, costs, circumstances and lender criteria.
When is it worth reviewing my home loan?
A review may be useful when your fixed period is ending, your repayments or rate have changed, your income or goals are different, you need other loan features, or you want to understand whether your current loan remains competitive. A review does not mean you must refinance.
Does refinancing always save money?
No. Potential savings depend on the new rate, fees, loan balance, remaining term and how long you keep the new loan. Discharge, application, valuation, package and possible break costs should be compared with any benefit before switching.
Can I use home equity when refinancing?
Potentially. Available equity depends on the property value, loan balance and lender requirements. Accessing equity increases the amount secured against the property, so the purpose, repayments and risks should be considered as part of the complete position.
What information is needed for a refinance review?
Useful information commonly includes your current loan statement and rate, property details, income, employment, living expenses, existing debts, credit limits and the outcome you want. The lender may request additional documents depending on your circumstances.
This information is general and does not consider your objectives, financial situation or needs. Lending criteria, fees, rates and product features can change.
Direct access
See whether your loan still
fits the life around it.
One direct conversation can help you understand whether the current loan still serves the position.