Refinance Your Home Loan
Take control of your mortgage with smarter refinancing solutions
At Aussie Gateway Mortgages, we help you take a fresh look at your home loan. Whether you are looking to reduce your interest rate, consolidate debt, access equity, or simply find a lender that better understands your needs, refinancing could offer significant financial benefits.
As a trusted mortgage broker in Melbourne, we compare refinance options from over 30 lenders and guide you through the entire process — from reviewing your current loan to settling with your new lender.
How We Help You Refinance
The right refinance strategy can save you money, provide more flexibility, and align your loan with your current lifestyle.
Personalised Loan Review
We begin with a detailed review of your current home loan. We assess your interest rate, fees, features, and repayment structure to determine whether it is still competitive and aligned with your goals.
Compare 30+ Lenders
As a Melbourne-based mortgage broker, we have access to a wide panel of lenders. We compare refinance options based on rate, loan structure, flexibility, and long-term value — not just short-term savings.
Structure for Long-Term Benefit
Refinancing is not just about saving now, but planning ahead. We help you structure your new loan to support future goals such as property investment, renovations, or retirement planning.
End-to-End Management
We handle all paperwork, manage the application, and coordinate with your new and existing lenders to ensure a smooth transition. Our job is to remove the hassle and make the changeover seamless.
Our 4-Step Refinance Process
Step 1
Review Your Current Loan
We assess your current home loan, repayments, remaining term, and lender fees. We identify whether your mortgage still meets your financial needs.
Step 2
Explore Your Options
We compare refinance offers from major banks, second-tier lenders, and niche providers. You receive clear, tailored recommendations with all fees and benefits outlined.
Step 3
Apply and Get Approved
Once you choose the best refinance solution, we prepare and submit your application, and liaise with both lenders to ensure the process is smooth and accurate.
Step 4
Settle and Save
Your new loan is finalised and your old loan is paid out. We confirm the details of your new repayments and remain available to support you with loan reviews in the future.
How much does it cost to refinance
There may be exit fees from your current lender and set-up fees with your new lender. We help you calculate the total cost and weigh it against your long-term savings before proceeding.
Is refinancing worth it if I only save a small amount each month
Even a small reduction in repayments can add up to thousands in long-term savings. Refinancing may also offer better features such as redraw, offset, or flexible repayment options.
Can I refinance if my financial situation has changed
Yes. We help clients who are self-employed, recently changed jobs, or experienced other life changes. If full-doc lending is not suitable, we may explore alternative lending options.
Why Choose Aussie Gateway Mortgages for Refinance
We understand the refinance process and lender policies in detail. We can access lender discounts not always available directly to the public. We act in your best interest, not a bank’s. We help you avoid costly mistakes such as breaking fixed terms or missing hidden fees. We provide a long-term relationship, not just a transaction. Our clients across Melbourne trust us to help them refinance with confidence and clarity.