Refinance Your Home Loan. We'll Connect You With a Specialist.
Simple Loans doesn't arrange home loan refinancing directly. Share your details and we'll refer you to a trusted partner mortgage specialist who can review your current loan and see whether switching could save you money or unlock equity.
Why choose Simple Loans.
Free Loan Health Check
Your partner specialist assesses your current rate, fees, and structure against the market.
Lower Repayment Potential
Many refinancers save on monthly repayments by switching to a more competitive lender.
Cash Out for Renovations
Use built-up equity for home improvements, debt consolidation, or investments.
Debt Consolidation
Roll personal loans and credit cards into a single home loan repayment.
No Upfront Fees
Your referral and initial assessment are free, with no obligation to proceed.
We Handle the Paperwork
Your partner manages discharge forms, valuations, and settlement coordination.
Why Refinance in 2026
Many Australians are still paying their original loyalty rate, the rate they were given when they first took out their loan, often above what new customers are being offered today. Refinancing is one of the most effective levers most homeowners have to reduce monthly outgoings, and switching to a more competitive structure could save you money over time.
Simple Loans doesn't refinance home loans ourselves. We take your enquiry and refer you to a trusted partner mortgage specialist who reviews your current loan and recommends whether switching makes sense.
When Refinancing Makes Sense
Refinancing is most worthwhile when:
- Your current rate is above what's available to new customers
- You want to consolidate higher-interest debt into your mortgage
- You need to release equity for renovations or investment
- You want to switch from interest-only to principal and interest, or vice versa
- Your fixed rate period is ending and your loan is rolling to a higher revert rate
- Your circumstances have improved and you can now access better options
The Refinancing Process
Your partner specialist starts with a free loan health check, comparing your current loan against the market. If switching makes sense, they identify the best lender for your situation, prepare your application, order valuations, manage discharge from your old lender, and coordinate settlement. The whole process typically takes 4 to 6 weeks from start to finish, and they handle the paperwork.
How it works.
Submit Your Details
Fill out our 60 second enquiry form. No paperwork, no obligations, and zero upfront fees.
We Refer You to a Partner
We match your enquiry to one of our trusted partner mortgage specialists who suits your situation.
Your Partner Helps You Settle
Your specialist compares lenders, structures your loan, and coordinates settlement from go to whoa.
Frequently asked questions.
Does Simple Loans arrange home loan refinancing?
No. Simple Loans is a vehicle and asset finance specialist. For home loan refinancing, we take your enquiry and refer you to a trusted partner mortgage specialist who looks after you from there.
How much does the referral cost?
Nothing. Your referral and initial assessment are completely free, with no obligation to proceed. If you settle a refinance, the lender typically pays the partner's commission.
What does it cost to refinance?
Refinancing usually involves discharge fees from your old lender, settlement fees on the new loan, and a property valuation. Many lenders waive establishment fees for refinancers. Your partner specialist will outline all costs before you commit.
How long does refinancing take?
From application to settlement typically 4 to 6 weeks, with faster lenders completing in 2 to 3 weeks for straightforward cases. Your partner specialist will give you a clearer timeline.
Will refinancing hurt my credit score?
A single refinance application creates one enquiry on your credit file, which has minimal impact. Multiple applications in a short period can reduce your score, which is why working with a specialist who submits one well-matched application is preferable.
Can I refinance with bad credit?
Yes. Our partners have specialist lenders who refinance home loans for borrowers with past defaults, missed repayments, or recent credit events. Your partner specialist will assess your options.
Ready to get started.
We don't arrange home loans directly. Share a few details and we'll refer you to one of our trusted partner mortgage specialists for a free, no-obligation assessment.
People we also help
Simple Loans is a finance comparison tool. Holder of Australian Credit Licence No. 509582. All applications are subject to lender approval. Terms, conditions, fees and charges apply. This information is general in nature.
Free assessment
Tell us what you need, we'll do the running around
One short form, then we'll refer you to a trusted partner mortgage specialist for a free, no-obligation assessment. No credit impact to get started.