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Refinancing Home Loans

Refinancing Home Loans in Australia

Switching and Saving – Made Simple

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

Why Refinance with VOXFIN

Lowest Interest Rates

  • Get cashback offers up to $4,000* (T&Cs applicable)
  • Compare 40+ lenders
  • Get tailored rates

Improved Loan Terms

  • Get personalised loan restructuring
  • Pay off your loan faster
  • Manage risk by switching between fixed & variable

Reduced Monthly Payments

  • Lower repayments
  • Ease your financial burden
  • Pay off early or make extra repayments

Access to Equity

  • Unlock equity from your property
  • Strengthen your property portfolio
  • Consolidate high-interest debts

Debt Consolidation

  • Simplify loan management
  • Improve your financial control & cash flow
  • Negotiate refinance rates

Low Doc Refinancing Home Loans

  • Connect with relevant lenders
  • Explore options for non-traditional income/bad credit profiles
  • Get flexible refinance solutions

Cash Out

  • Access additional funds
  • Fund your new goals
  • Get flexible loan terms and competitive rates

Don’t just take our word. Read our 5-star reviews. Know why hundreds of Australians trust VOXFIN for their refinancing needs. We will simplify the process and help you find the best rates. Get expert refinancing guidance, personalised service, and lower repayments. Unlock better rates and save thousands on home loans.

Save thousands of dollars – Refinance your home loan

Refinancing simply means replacing your current loan with a new one. People often prefer refinancing for better terms or lower interest rates. VOXFIN helps you refinance your home loan to reduce repayments, consolidate debts, or unlock equity, thereby saving thousands of dollars over time.

Our refinancing specialists have been helping Australians restructure their loans, lower mortgage costs, and strengthen property portfolios. We focus on understanding your current loan structure, repayment patterns, and goals before recommending a refinance home loan for your needs.

As one of Australia’s top-rated mortgage brokers, VOXFIN’s partnership with 40+ lenders unlocks access to the lowest refinance home loan rates and cashback offers up to $4,000* (T&Cs apply).

From lender negotiations to settlement, we manage every step to ensure a smooth refinance experience – with no upfront broker fees.

Irrespective of your circumstances, we will find solutions – even if other lenders have sent rejections. We’re specialists in refinancing loans for profiles with bad credit and self-employed income. The experience and expertise of our brokers with both full doc and low doc refinance home loans make us stand out in Australia’s mortgage landscape.

Know how a smart refinance could help you own your home sooner, saving more.

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Split Loans

Benefits of a split loan

A split home loan gives you the best of both worlds, combining the flexibility of a variable rate with the stability of a fixed rate. Here’s what you can achieve with VOXFIN’s refinance split loan expertise –
  • Balance both savings and stability by smartly splitting your loan between variable and fixed portions.
  • Carry out additional repayments of up to $30,000* without penalty (lender conditions applicable).
  • Enjoy the flexibility of rate, as variable rates let you pay extra anytime, while fixed rates protect you from market rises.
  • Pay off your mortgage faster using an offset account to reduce interest.
  • Change your split anytime during your loan term — with no cost to re-adjust.
  • VOXFIN helps you compare split loan refinance options across 40+ lenders, so you know exactly which structure offers the best long-term benefits for your situation.
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Why Choose VOXFIN

Faster approvals and hassle-free refinancing

Direct access to 40+ lenders for the most competitive refinance home loan rates in Australia

Higher borrowing power through structured lender matching

Personalised refinance strategies for first-timers, investors, and self-employed personnel

End-to-end
transparent advice

Genuine guidance from some of the top-rated refinance mortgage brokers in Australia

Planning to refinance your mortgage? Here’s what you should consider –

Current Interest Rates

Compare the existing loan rate and the current refinance home loan offers. Our broker support and refinance calculator will help you identify your potential savings.

Fees

It’s better to know about any application, valuation, or discharge fees in advance. We’re transparent when it comes to total cost upfront, also including cashback offers that offset these fees.

Loan Features

Assess offset accounts, extra repayment options, redraw facilities, and other features. We help you with structuring your refinance for long-term benefit and maximum flexibility.

Loan Term

Based on your goals, you can decide whether or not to shorten/extend your loan term.

Our refinance specialists guide you on the impact of each option on your savings and repayments, so you can choose the right path to your financial strategy.

Equity Access

Get access to your property’s equity to invest, renovate, or consolidate debt. We’ll guide you through responsible equity release options in alignment with your financial objectives.

Professional Guidance

With 20+ years of combined experience, our expert refinancing mortgage brokers proudly help Australians save thousands on their home loans. We believe that every refinance should be the right move when it comes to financial goals. We stand with you – from rate comparisons to lender negotiations.

Frequently Asked Questions (FAQ)

Questions and queries related to Refinancing Home Loans

HOW FAST CAN I REFINANCE?

Once the first interview is conducted and we receive all your documents, the refinancing can be approved within 1 to 5 days. From start to settlement, if there is no wait for additional documents, it may take up to two weeks.

HERE ARE THE KEY POINTS TO CONSIDER WHEN REFINANCING YOUR HOME LOAN:
  1. When looking to refinance your home loan, take into account your financial situation, personal goals and potential savings
  2. The benefits of refinancing include potential reductions in loan balance with potential cashback offers, decreased loan repayments, and the ability to pay off the loan earlier with a lower interest rate or with a new loan that offers a linked offset account for spare funds.
  3. Make sure to factor in any monthly fees, loan exit fees, home loan setup fees, fixed loan break costs, and the cost of Lenders Mortgage Insurance (LMI) if you have less than 20% equity.
  4. To get an estimate of your equity, use relevant online tools or consult with expert refinancing mortgage brokers at VOXFIN.
CAN I SWITCH TO A FIXED-RATE LOAN?

It is important to consider your personal situation, the features you are looking for, and how much extra you plan to repay.

Benefits of a split loan

  1. Did you know that you could enjoy the advantages of both fixed and variable loans by splitting your new variable loan into a split home loan?
  2. You have the ability to pay less interest by moving up to $30,000 in additional repayments into either the fixed or variable home loan account with the higher interest rate. (It is important to note that there is a $30,000 fixed loan prepayment limit for fixed home loans, and prepaying more may incur a break cost. The maximum cash deposit in fixed rate varies with each lender)
  3. There is no fee to split your home loan, whether you choose to do it now or later. No interest rate rises on your fixed loan portion.
  4. Enjoy the features of a variable loan, like repaying as much as you like and the option of an offset account.
WHY DO HOMEOWNERS REFINANCE?

Refinance home loan, better interest rate, fixed vs variable interest, home loan features, access home equity, renovations, debt consolidation, suitable home loan

Homeowners refinance for various reasons, primarily to switch to a more suitable home loan. Key reasons include: 

  1. Securing a better or cheaper interest rate
  2. Changing interest rate types (fixed vs variable, principal and interest vs interest-only)
  3. Accessing better home loan features
  4. Utilising home equity for purchasing another property or covering large expenses
  5. Funding home renovations
  6. Consolidating other debts (credit cards, car loans) into the home loan
HOW MUCH DEBT CAN BE CONSOLIDATED INTO A HOME LOAN?

Debt consolidation, home loans, consolidate credit cards, personal loans, car loans, financial position, loan features, loan limits

You can consolidate various debts into your home loan, provided it improves your financial situation. Types of debt that can be consolidated include credit cards, personal loans, car loans, private finance, tax debts, and other personal or business debts. Ensure you check the loan product’s features and limits, as some may restrict the number of debts that can be consolidated, even with competitive interest rates.

REFINANCING TO FUND RENOVATIONS

Refinance home loan, fund renovations, home equity, cheaper financing, lower interest rates.

Yes, you can refinance to fund renovations. This involves refinancing to another lender or, switching to a different home loan with your current lender, borrowing extra cash to cover renovation costs. This means adding to your loan principal, which might increase overall costs but is often cheaper than using personal loans with higher interest rates. You can also leverage built-up equity in your existing loan for financing renovations.

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DOCUMENTS NEEDED TO REFINANCE

Refinance documents, income proof, Tax Assessment Notice, ID verification, financial documents

When refinancing, you’ll need to present the following documents to your chosen lender:

  1. Recent payslips documenting your income
  2. Latest Tax Assessment Notice
  3. Employer’s letter confirming your salary
  4. Forms of ID (passport or driver’s license)
  5. Financial and credit documents (credit card statements, current mortgage evidence, bank account statements)

Having these documents ready will streamline the refinancing process.

REFINANCING PROCESS DURATION

Refinancing duration, home loan application, debt transfer, mortgage refinancing time 

The refinancing process typically involves applying for a home loan, after which your new lender will contact your current lender to arrange the transfer of debts (your mortgage). This process usually takes between two and four weeks, though it can vary depending on the lender.

PROPERTY VALUATION IN REFINANCING

Property valuation, refinance valuation, real estate transactions, lender requirements 

When refinancing, you may need a new property valuation, depending on the lender. Real estate transactions like refinancing often require a valuation to determine the property’s current worth before the lender takes on the loan.

EQUITY REQUIREMENTS FOR REFINANCING

Equity in refinancing, loan to value ratio (LVR), home equity, lenders mortgage insurance (LMI)

Equity is the difference between the property’s current value and the amount you owe. The more you’ve paid off your loan, the higher your equity. In refinancing, equity acts similarly to a deposit. Higher equity (e.g., a 60% LVR) may qualify you for lower home loan rates, offering more security to the lender. Owning at least 20% of the property can also help you avoid paying Lenders Mortgage Insurance (LMI) again.

WHAT DOCUMENTS DO I NEED FOR SELF-EMPLOYED INCOME?

Self-employed, Full Doc, Alt Doc, income documentation, mortgage for self-employed 

For self-employed borrowers, banks accept Full Doc and Alt Doc income documentation. Providing comprehensive financial documents can help you qualify for better loan terms. Requirements include tax returns, financial statements, ABN registration, GST registration, and financial declarations.

CAN I USE CENTRELINK BENEFITS FOR A HOME LOAN?

Centrelink benefits, non-standard income, home loan application, alternative income sources

Most banks and lenders accept various income sources like Centrelink benefits, carer’s allowance, disability support, family tax benefits, and more. This approach helps diverse applicants secure home loans.

Why choose us?

We understand the importance of earning your trust in the guidance provided by the mortgage experts at VOXFIN. We can assist you with home loan refinancing as well as other financial lending needs, such as refinancing home loans, car loans, commercial loans, and insurance. 

Additionally, we can assist with organising financing to start or grow your business and fund your assets. Our services for finding the right home loan are free of charge to you. Once your loan is settled, the lender compensates us.

About Us

VOXFIN’s expert refinancing home loan mortgage brokers are here to help you with all types of financial needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.

We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate and the most appropriate home loan structure to grow your property portfolio.

About Us

Australians have trusted us as expert home loan mortgage brokers for all types of their loans and mortgage needs such as first home buyer loans, refinancing home loans, agribusiness loans, business loan brokers, commercial loan brokers, car loan brokers, asset and equipment finance brokers, SMSF property loans, property development finance brokers, business car loan brokers, bad credit score lenders, medical professionals’ loans, personal loan brokers, and many more to help them find the suitable loans to finance their property dreams.

About Us

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

At VOXFIN, we are committed to being with you at every step in your home loan process. We keep your best interests ahead of everything by providing comprehensive solutions powered by our solid industry expertise and deep financial knowledge. This ensures you can confidently make an informed decision, knowing that you have our full support.

Our streamlined refinancing home loan process is designed to alleviate the stress of navigating the complexities of finding the best refinancing home loan deals. We’re here to secure the lowest interest rates on your mortgage refinance or investment loan refinancing, making the process as smooth and convenient as possible for you.

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    What Our Customers Say

    Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

    - Ketan Patel

    Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
    Highly recommended.

    - Haris Khan

    VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

    - Maria Thomas

    VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

    - Shino Varghese
    Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
    - Aditya Mushnuri

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