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HOME LOAN REFINANCING SERVICES

Let’s find a great home loan option with a tempting cashback offer.

Get the most out of refinancing your loan by working with the experts in Queensland. 

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    We offer great cash back and attractive home loan terms 

    Ongoing support – brokers are always available to answer your questions

    Get access to exclusive deals and discounts

    Get expert property market advice in Gold Coast and Cairns 

    Get $4,000
    Cashback     When
    You Refinance

    Explore attractive cash back offers with our wide range of trusted lenders. Terms and conditions apply.

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    Client Google Reviews

    5.0

    Rated 5 out of 5
    Over 110 Reviews

    Shane Clarke

    Rated 5 out of 5
    Google Review

    Using a mortgage broker can sometimes be a hit and miss process. Luckily for me, I came across Lauren Eakins on a google search and all the reviews are accurate.Lauren guided me through the mortgage process with enthusiasm and eagerness, finding great deals that suited my circumstances.

    Gurjeet Singh Grewal

    Rated 5 out of 5
    Google Review

    Highly recommend Lauren and her team. They are extremely professional, knowledgeable, and genuinely cares about getting the best outcome for their clients. They will go above and beyond to help you structure your loan correctly and will always be available to answer questions. If you’re looking for reliable advice and excellent service, this is the team to trust.

    Eddie Caine

    Rated 5 out of 5
    Google Review

    Lauren and the team have once again helped us secure the best available loan and rate for our mortgage. Seamlessly settled just before Christmas almost 3 years to the day since our first home settled. We wouldn’t trust anyone else! Five stars all the way! We have already referred multiple people and will continue to do so. Merry Christmas to the Eakins Finance and Insurance team.

    MARKET THOUGHTS
    2025 - 2026

    By Lauren Eakins - Principal Broker

    Cairns continues to demonstrate its strength with low stock levels, strong demand, and rising property prices. Entry-level houses now start around $630,000, while apartments under $550,000 remain one of the best opportunities for first-home buyers, thanks to the 5% deposit, no LMI government scheme. Expect growth of 7–11% through 2025 and into 2026, as interstate migration, infrastructure projects, and tight rental markets continue to put pressure on. If you’re considering buying, please get in touch. Sooner still looks better than later.

    Home Loan
    Interest
    Rate Form

    6.09

    %*
    p.a.

    Home Loan
    Fixed
    Rate Form

    6.09

    %*
    p.a.

    Looking to refinance your mortgage? This is what you need to know.

    Refinancing a mortgage is more common than you might think and for a good reason, as it can help you secure a better deal on your home loan rate by switching to another bank or loan provider.

    If you have been with your bank for more than two years on a variable rate, your current variable rate may be higher than other options in the market. Banks tend to increase their variable rates and fees as they may need to pass on the full interest rate cuts to existing customers. And sometimes the savings on refinancing is well worth going down this route.

    Most banks are prepared to offer attractive rates to win new clients. Therefore, this may be an excellent reason to consider refinancing.

    Refinancing can be particularly effective when you have already made a few years’ worths of repayments on your original home loan and/or when the value of your property has increased.

    What are the benefits of refinancing your home loan?

    There are many benefits why you should consider refinancing your mortgage, such as:

    • To save money. Over the life of a loan, you can potentially save thousands of dollars on repayments.
     
    • To access equity. You may wish to access your equity for home renovations or other expenses.
     
    • To switch lenders. Perhaps you are looking to switch to a bank with lower fees and better customer service.
     
    • To consolidate debts. You may wish to streamline your finances by consolidating other debts such as credit cards and car loans under a new home loan.

    Refinancing is easier than you might think

    Refinancing your mortgage in Gold Coast and Cairns is easier than obtaining your first home loan. This is because much of the work done to secure your original loan can be updated and submitted to banks as part of a refinance application.

    If you have had your current home loan for several years, you will have paid off some of the loan and/or the value of your property will have increased. This means that you are in a stronger financial position to borrow, and you’ll be able to access better home loan rates.

    Loan Repayments Calculator

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        Frequently asked questions

        Homeowners in Australia might consider refinancing their home loan for several reasons, such as to take advantage of lower interest rates, to switch from an adjustable-rate loan to a fixed-rate loan, to lower their monthly mortgage payment, or to access the equity in their home for other purposes. Refinancing can be great for homeowners who have improved their credit score or financial situation since taking out their original loan.

        Whether refinancing is right for you will depend on your personal circumstances, including your current mortgage rate and payment, your financial goals, and the current interest rate environment. It's a good idea to consult with our specialists to determine if refinancing is a desirable option for you.

        In Australia, there are several types of refinancing options available, including:

        • Rate-and-term refinancing: This type of refinancing involves changing the terms of your loan without taking out additional cash.
        • Cash-out refinancing: This type of refinancing involves taking out a new loan for more than you owe on your current mortgage and receiving the difference in cash.
        • Debt consolidation refinancing: This type of refinancing involves combining multiple debts, such as credit card balances or personal loans, into a single loan with a lower interest rate.

        It's important to understand the distinctions between these options and to work with our specialists to determine which one is best for you.

        To compare loan rates and fees, you'll want to gather quotes from multiple lenders and compare the interest rates, closing costs, and other fees associated with each option. You can also use our online tools and resources to compare rates and fees and to get a sense of what the market is offering. Keep in mind that the lowest rate may not always be the best option. And that it's important to consider the total cost of the loan over time as it may differ significantly.

        The requirements for refinancing a home loan in Australia will depend on the lender and the type of loan you're interested in. Generally, you'll need to provide information about your income, expenses, debts, and assets and a good credit score. You may also need to provide documentation such as recent pay slips, tax returns, and bank statements. It's a good idea to talk to our specialists to determine what is required of you to apply for a refinancing loan.