Fixed Rate Ending?

Don't let ending fixed rates leave you adrift.

If your fixed rate is ending, or repayments have increased, speak to us to look for a better deal. You could qualify for up to $2,000** when you refinance.

See if you qualify in under 60 seconds

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Discover your options

Instead of settling for your current bank, or wasting time searching rates, get in touch and let us do it for you.

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We help you pick a winner

Once we have some basic info, we’ll match you with a mortgage specialist who will find the most suitable loan for you.

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Sit back and relax

Your mortgage specialist will help put together your application and maximise your chances of getting approved.

Reduce your rate

Refinance your loan with home loan options starting at 5.93% owner occ and 5.99% investment*

Sit back and let one of our finance specialist partners compares hundreds of loans from over 25 banks for you, then show you three killer options that should help you keep more of your hard earned money where it belongs – in your wallet.

  • ing
  • Macquarie
  • bankwest
  • westpac
  • st george
  • subcorp
  • nab
  • cba
  • anz
  • unibank
  • teachers mutual
  • bank sa
  • amp
  • bluestone
  • adelaide

Our partners negotiate with the banks you’ve heard of, and many you haven’t, to find you the most suitable loan, with rates you’ll love.



What does it cost to use Refinance Solutions?

Using Refinance Solutions costs you nothing and it means you get a dedicated Mortgage Broker to manage the entire loan process for you.

Brokers are paid directly from the bank when you get unconditional approval on your loan. What they get paid varies. As an example, if you were to borrow $400,000 the lender would pay $2,200 assuming a 0.55% commission. We believe in being fully transparent.

Remember, using us doesn’t cost you anything extra, and you don’t pay a higher interest rate or any extra fees on the loan if you use a broker to help find a better rate.

What's that?

LVR, LMI, Comparison rate, interest only, conveyancing and more! When we were researching our home loan options, we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. Here are some straight up definitions for people like us that like their answers without a side of gobbledygook.

LMI stands for Lender’s Mortgage Insurance. This protects the bank in case you default on your home loan. This is an additional charge, typically if your deposit is less than 20% of the purchase price. If you want to buy a property for $500,000 and have $50,000 (10%) saved for a deposit, the bank may charge you LMI. LMI is a once-off payment, and can often be added to your loan amount.

LVR stands for Loan to Value Ratio. The amount of money that a bank will lend you based on how much the property is worth. For example, an 80% LVR means the bank is willing to lend up to 80% of what the property is worth. If you’re buying a property for $500,000, an 80% LVR loan is $400,000. In this example, you would need to have $100,000 (20% of $500,000) saved up for a deposit.

Absolutely not. When applying for a home loan a mortgage broker can often get you better rates than what you could by going directly to your bank. First, they get some info, do lots more research and then they’ll show you the lowest rates from a range of lenders. Then, they’ll negotiate with the bank to ensure you get the best rate possible. This service costs you nothing and you might even end up paying a lot less than nothing – if you get a cashback or or secure a lower rate, or both!?

You might incur break costs  if you repay a fixed rate interest loan before the end of the fixed interest period or if you make extra repayments that exceed the maximum allowed on your loan. If you do want to repay your loan in full, you can ask your lender for a quote on current break costs to see how much extra you might be charged.

Lenders often use rebates or cash back as an incentive to refinance with them. Cash back gives you a refund once you’ve taken out your loan, while a rebate is a reduction in the balance of the loan. It’s wise to compare all other interest charges, comparison rates and fees to make sure it’s a good deal.

A comparison rate factors in all costs associated with a loan, including the interest rate, fees and charges. It helps you understand the true cost of a loan and more easily compare with loans from different lenders, so you can estimate how much you might pay over the life of the loan. It is represented by a single percentage rate which factors-in the interest rate, fees and charges relating to the loan. (Government charges or early pay out fees are excluded).


We just made finding the right home loan easy.

If you are looking for a fully independent (not owned by any bank) and transparent mortgage broker who speak plain English, we can help. We combine smart tech and smarter people to help you find the right loan.

Send us your deets and we’ll find a broker who can compare hundreds loans from Australian bank and non-bank lenders and show you three that’ll help you keep more of your hard earned money where it belongs – in your wallet.