A FRESH LOOK AT YOUR HOME LOAN

Refinance with
the full picture.

Your home loan should keep up with your life. Explore whether a different rate, loan feature or repayment structure could suit your goals, with broker partners supporting Melbourne and borrowers across Australia.

Explore my refinance options →

Start with the loan you already have.

Before switching, ask your current lender about your rate and available features. Check your remaining balance and loan term, current repayments and any fixed rate expiry. A broker can help you compare alternatives, but refinancing is not automatically the right move.

Compare the cost of changing.

Include discharge, application and valuation fees, any fixed rate break cost and other charges. Check whether lenders mortgage insurance may apply. Compare the new loan over a similar remaining term so a smaller monthly repayment does not hide a longer and more expensive loan.

Work out the break-even point.

Compare the upfront switching costs with the potential ongoing savings. Consider how long you expect to keep the new loan. A lower advertised interest rate does not guarantee savings after fees, and future rate changes can affect the result. Ask for the assumptions behind any savings estimate.

Look at features as well as rates.

Offset accounts, redraw access, extra repayment limits, package fees and fixed or variable structures can change how a loan works for you. Confirm the conditions, costs and restrictions for features you plan to use. Consider the effect of higher repayments if rates rise.

Refinancing when you are self-employed.

Changing lenders usually involves a new assessment. Business owners and contractors may need to provide tax records, financial statements or alternative income evidence, depending on the lender. Your deposit or equity, income, expenses, commitments and property also matter.

Start a refinance conversation →

What happens after the enquiry?

Sole Trader Finance reviews your enquiry and contacts you using your preferred method. We are a referral service, not a lender, and ask permission before sharing your details with a broker partner. The broker can explain options, documentation and any next steps. No application or approval happens through this page.

General information only. Refinancing may not save money or suit your circumstances. Loan availability, rates, fees, features and terms depend on lender criteria.

Also explore: Low doc home loans · Self-employed home loans · Buying a home