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Refinance Your Home Loan with Confidence

Lower your repayments, unlock home equity and secure better mortgage terms with expert guidance.

See Your Refinance Options Today

Introduction For Refinancing

Refinancing your mortgage doesn’t just mean switching banks — it’s about getting a loan that supports your goals. Whether you’re looking to reduce your monthly repayments, access equity, or improve your cash flow, refinancing can be one of the smartest financial moves a homeowner makes — if it’s done right.

At Grange Finance, we don’t just compare interest rates; we look at the big picture of your finances and help you find refinance home loan options that genuinely add value to your life.

What Homeowners Need to Know About Refinancing

Here’s what every homeowner should understand before starting a refinance journey:

  • Refinancing is replacing your current home loan with a new one — with the goal of improving your loan structure or interest rate.
  • Lower interest rates don’t always equal savings — you need to consider fees, break costs and how long you plan to stay in the home.
  • Equity gives you flexibility — accessing equity can help with renovations, debt consolidation or investment opportunities.
  • You can refinance with your current lender or switch to a new lender to get a better rate or features.
  • Refinancing isn’t one-size-fits-all — it should be tailored to your personal lifestyle, financial changes and goals.
  • Costs matter — there may be exit or settlement fees, and these need to be weighed against your potential savings.

Refinancing Options Explained

Refinancing can take several shapes depending on what you want to achieve:

  1. Rate-Focused Refinance– Switching to a loan with a lower interest rate can reduce your monthly repayments and help you pay off your mortgage sooner, giving you more financial breathing room.

  2. Loan Feature Refinance– Maybe your current home loan lacks feature you’d find valuable — like an offset account, free redraw or flexible repayment options. Switching to a home loan with better features can make a surprising difference in long-term cost and convenience.
  3. Equity Access Refinance– If you’ve built equity in your home, refinancing can unlock funds for renovations, debt consolidation or other goals — without needing a separate personal loan.

  4. Consolidation Refinance– You can roll other higher-interest debts into your mortgage to simplify payments and potentially reduce overall interest paid.

At Grange Finance, we look beyond just interest rates — we assess your financial landscape and recommend the refinance path that helps you reach your goals — something most lenders don’t do for you.

Why Choose Us

✔ Over 20 Years of Experience

We’ve weathered interest-rate highs and lows and helped homeowners make decisions that save them thousands.

✔ Access to 50+ Lenders

We don’t just check one bank — we compare home loan refinance options across an extensive panel to find your best fit.

✔ Tailored Advice, Not Templates

Your situation today isn’t the same as when you first bought your home — we customise refinance strategies around your goals.

✔ Stress-Free Process from Start to Finish

We handle paperwork, comparison, negotiations and settlement coordination so you can stay focused on life, not loan admin.

Benefits of Refinancing with Grange Finance

  • Potentially lower monthly repayments by securing a better interest rate.
  • Reduced total interest paid over the loan term.
  • Access to home equity for renovations or financial goals.
  • Consolidation of debts into a single, more manageable repayment.
  • Home loan features that suit your lifestyle like offset accounts, redraw and flexible repayment options.
  • Expert negotiation with lenders on your behalf.

FAQs

  • 1. What does refinancing a home loan mean?

    Refinancing is when you replace your current mortgage with a new loan — either with the same lender or a different one — to get better terms.

  • 2. Will refinancing save me money?

    If you secure a lower interest rate or better loan features, refinancing can reduce your monthly repayments and total interest paid — but it depends on fees and your loan term.

  • 3. Can I refinance if interest rates are currently low?

    Yes — refinancing during lower interest periods can be a good strategy to improve your loan structure or shorten your loan term.

  • 4. Is refinancing complicated?

    It can be — there are costs and paperwork and understanding what’s worthwhile is key. That’s where using an expert mortgage broker adds real value.

  • 5. How often can I refinance my home loan?

    There’s no strict limit, but you should balance the potential savings with any fees charged by your current lender to break your existing loan.