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Refinancing is the process of transferring your loan from one type to another with a different interest rate or set of terms, either with your current lender or with a new lender. Refinancing gives borrowers more financial freedom and allows them to adjust their loans to reflect their ever-changing life circumstances.

Is refinancing a wise idea?

Only you can determine what is best for you. However, if you’re considering switching lenders, one or more of these could be useful.

Reduced Interest Rate

The most common reason for refinancing is to take advantage of a reduced interest rate. Reducing your monthly payments can relieve financial stress while also freeing up funds for other savings and spending goals.

Reduced loan term

You can choose to refinance to pay off the loan faster and reduce the overall term. While your monthly payment will usually increase if the interest rate is lower, you may be able to shorten the term of your loan and pay less interest over time.

Change to a different loan type

You can refinance your loan to change the type of loan you have. you might move from a variable to a fixed-rate loan to provide you with certainty while you need it.

Consolidate debt and gain access to equity

Refinancing can assist you in acquiring much-needed finances. If you have equity in your house, you can refinance and borrow money to cover large bills.

Refinancing could be the best solution for you

Consider whether refinancing is best for you by speaking with our experts about our home loan options or getting an independent cost-benefit analysis.


Got questions? Find answers to some of the most commonly asked questions about our financial solutions, processes, and services to help you make informed decisions.

What is Lender’s Mortgage Insurance (LMI)?
How can making extra repayments benefit me?
What is Stamp Duty?
Which loans have a redraw option?


Discover how we’ve helped our clients navigate their financial journeys with personalized solutions. Read their stories of success and empowerment below.


At Reliiance Financial Solutions, we have been privileged to have worked with hundreds of remarkable individuals and families.

Very few things come close to receiving their genuine appreciation of our services. All we can say in return is – the pleasure was all ours.

It is also our pleasure to share some client testimonials with you. Please click on Video Testimonials to view them all. Use the buttons at the bottom of the screen to navigate through the videos.

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