How we can help you

We can help you check whether refinancing makes sense

We can review your current home loan with you, compare it with relevant alternatives and explain whether changing loans may be worth considering.

How we'll help you check the numbers

We can help you check the numbers before you refinance

We'll compare your current loan with relevant alternatives and explain how refinancing could affect your rate, repayments, features and loan term.

We review your current home loan with you

We'll review your existing rate, repayments, balance, loan term, features and any fees that may apply if you change loans.

We compare refinance options for you

We'll compare relevant options from lenders available through our panel and explain the differences in rates, costs and features.

We help you check the longer-term cost

We'll look beyond the next monthly repayment and explain how extending the loan term could affect the time you remain in debt and the total interest paid.

How we'll help before you refinance

We can help you look at the whole loan before refinancing

We'll talk with you about why you are considering refinancing, whether that is a different rate, repayments, useful features, access to equity or a structure that better suits your plans.

We'll compare the new loan with what you already have, including the rate, fees, switching costs, remaining loan term and how the term could affect total interest.

We'll put your current loan and relevant alternatives side by side and explain the practical differences, so you can decide whether refinancing may suit your circumstances.

How we'll look beyond the repayment

We help you understand what refinancing changes over time

A lower monthly repayment can look attractive. We'll also compare the loan term, switching costs and total interest so you can understand whether changing loans may make sense for you.

We compare your current and possible new rates

We'll compare your current rate with relevant alternatives and explain how the repayment figures differ.

We explain the switching costs

We'll help you account for discharge, application, valuation and other costs that may apply when changing loans.

We check the remaining loan term with you

We'll explain whether a new loan term could increase the time you remain in debt or change the total interest paid.

Professional guidance, clearly accountable

Raise Wealth Pty Ltd trading as The Digital Brokerage is a Credit Representative (553369) operating under Australian Credit Licence 389328.

How we'll explain the trade-offs

We help you understand whether refinancing may suit you

We'll put your current loan and relevant alternatives side by side and explain the rates, costs, loan terms and trade-offs that may affect your decision.

Can you help me decide when to consider refinancing?

Yes. We can review your loan when rates change, your fixed period is ending, your circumstances change or you want different features, repayments or access to equity.

Can you tell me whether refinancing will save me money?

We can compare the numbers for you, but refinancing will not always save money. The result depends on the new rate, fees, loan term, switching costs and your circumstances.

Which refinancing costs will you help me check?

We'll help you check lender discharge fees, application or valuation costs and government or registration charges where applicable. The exact costs depend on the loans involved.

Can you help me refinance to access equity?

We can help you explore that option if you have enough usable equity and meet the lender's criteria. We'll also explain that increasing your borrowing increases your debt and repayments.

Will you explain how refinancing affects my loan term?

Yes. We'll explain the new loan term and how choosing a longer term could reduce repayments while increasing the time you remain in debt and the total interest paid.

We can review refinancing with you

We can help you start with a refinance health check

We can review your current home loan, compare relevant refinance options and explain whether a change may suit your circumstances.

Ask us to review your loan

Our process

How to get a home loan online

Start with discovering your borrowing capacity by using our free calculator, then we can help you compare suitable lenders, organise the application online and manage the steps through approval and settlement.