How do I know if refinancing is actually worth it?

The simplest way is to compare your current rate and loan structure against what's available in the market today, then weigh any savings against the costs of switching. We do this as part of a free loan review — including modelling the break-even point so you know exactly how long it takes to come out ahead. If it's not worth it, we'll tell you.

Will refinancing affect my credit score?

Every formal loan application results in a credit enquiry, which can have a minor short-term impact on your credit score. However, a well-timed refinance that reduces your debt load and repayment obligations can have a positive effect over time. We assess your credit position before submitting any application so there are no surprises.

Can I refinance if my property value has dropped since I bought it?

It depends on how much equity you still hold. If your LVR has increased above 80% due to a drop in property value, your options may be more limited and LMI could apply. In some cases, refinancing may not be the right move at that point. We assess your current LVR as part of every loan review and give you an honest picture of what's available.

Is Your Home Loan Still Working For You?

Your circumstances change, and so does the lending market. Whether your fixed rate is ending, your rate no longer looks competitive, or you need to access equity, we review your current loan and find a better position — across a full panel of Australian lenders.

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PROCESS

How We Handle Your Refinance From Start to Finish

Refinancing can feel like a lot of admin — but it doesn't have to be. Here's exactly what happens when you work with us, from your initial loan review through to settlement with your new lender.

Four steps to your new home:

Step 1: Free Loan Review
We assess your current loan against the market and give you an honest picture of whether refinancing makes sense — including what it would actually save you once costs are factored in.

Step 2: Borrowing and Equity Assessment
We review your full financial position, calculate your usable equity, and confirm your borrowing capacity with the lenders most likely to offer you a competitive outcome.

Step 3: Loan Recommendation
We present your best options across our lender panel — covering rate, structure, features, and costs — with a clear recommendation and a plain-English explanation of the trade-offs.

Step 4: Application Through to Settlement
We prepare and submit your application, manage all lender communication, coordinate the discharge of your existing loan, and keep you updated until your new loan is in place.

Frequently asked questions

Refinancing

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"I hadn't looked at my home loan in four years. Turns out I was paying well above the market rate. Solid Foundations switched me to a new lender and I'm now saving over $400 a month."

Claire Hutchinson

Client Review

"My fixed rate was about to expire and I had no idea what to do next. They reviewed my options, explained the trade-offs clearly, and had everything sorted before the revert rate kicked in, great service."

Ben Papadopoulos

Client Review

"I wanted to access equity to fund a renovation but didn't know if I had enough or how to go about it. The whole thing was handled — valuation, application, settlement — without me having to chase anything."

Simone Rafferty

Client Review

EXPERIENCE

More Reasons to Refinance Than Most People Realise

You don't need to be in financial difficulty to benefit from refinancing. For many borrowers, a straightforward loan review reveals a meaningful saving or a structural improvement that makes a real difference over the life of the loan.

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EXPERTISE

What We Do When We Review Your Loan

A loan review with Solid Foundations goes beyond checking your rate. We look at your full financial position, compare options across our lender panel, and give you an honest assessment of whether refinancing makes sense — and what it would actually save you.

Compare lenders across market

We compare your current loan against products from a wide panel of Australian lenders — including major banks, regional banks, and non-bank lenders — to find the most competitive option for your situation, not just the most heavily advertised one.

Negotiate better terms

Sometimes the best outcome is a better deal with the lender you're already with. We know what rates and terms are available in the market and use that to negotiate on your behalf — so you benefit from the review regardless of whether you switch.

Restructure your loan

Refinancing is an opportunity to reset your loan structure, not just your rate. We look at your offset account, redraw facility, loan term, and repayment type to make sure the structure supports where you are now and where you're heading.

Manage the entire process

From your initial review through to settlement with the new lender, we handle the paperwork, the lender communication, and the timeline — so the process is as straightforward as possible on your end.