Refinance or consolidate — get your finance working harder
If your current loan doesn't fit anymore, or you're juggling too many repayments, we can help you restructure for a better outcome.
When refinancing makes sense
These are the most common situations where restructuring your finance can make a real difference.
Your rate is too high
Locked into a rate that no longer reflects the market or your improved financial situation. Rates change, and so does your borrowing power — what was competitive two years ago may not be today.
Your repayments don't fit
Monthly payments that were fine when you started are now squeezing cash flow. Extending the term or restructuring can free up breathing room without necessarily costing more overall.
You have multiple debts
Managing several finance agreements with different lenders, rates, and due dates. Consolidation simplifies your admin and can reduce total monthly outgoings.
Your situation has changed
Business has grown, credit has improved, or you need to free up equity in an existing asset. What worked before may not be the best structure anymore.
How refinancing works
A straightforward process designed to save you time and money.
Review current finance
We look at what you're paying, to whom, and on what terms. This gives us a clear picture of where you stand and what's possible.
Identify opportunities
Better rates, simpler structure, or reduced total cost. We run the numbers and show you exactly what a switch could save — or whether it's worth staying put.
Transition smoothly
We handle the switch so you're not stuck between lenders. From payout figures to settlement coordination, the admin is managed for you.
Refinancing isn't always the right move
Break fees, remaining terms, and the new structure all need to stack up. Sometimes the cost of switching outweighs the savings, or your current deal is actually better than what's available. We'll give you an honest assessment — if it doesn't make financial sense to refinance, we'll tell you. Our job is to help you make a good decision, not to push a transaction.
Refinance FAQs
Applying for new finance does generate a credit enquiry, but we're strategic about it. We assess your situation first and only submit where there's a strong chance of approval. We won't shotgun applications to multiple lenders.
Some loans have early exit or break fees, and others don't. We'll factor this into our assessment. Even with break fees, refinancing can still save you money if the new rate or structure is significantly better.
It depends on the structure. In some cases, mixing personal and business debts into one facility works well. In others, keeping them separate is better for tax purposes. We'll walk you through the options.
Typically one to two weeks from initial assessment to settlement, depending on the complexity and how quickly payout figures are provided by your current lender. We keep you updated throughout.
Other finance solutions
Explore our other services to find the right finance for every need.
Vehicle Finance
Cars, utes, trucks, and more — finance structured around how you drive and earn.
Learn moreEquipment Finance
Fund the machinery and equipment your business needs to grow, without draining cash reserves.
Learn moreBusiness Loans
Working capital, term loans, and lines of credit to keep your business operating and growing.
Learn moreWant to know if refinancing makes sense?
Send us the details of your current finance and we'll tell you honestly whether there's a better option available. No obligation, no pressure.
"Alex found me a rate almost 2% lower than my bank offered. The whole process took less than a week."
No credit impact • Response within 24 hours • No obligation • 50+ lenders compared