Has your bank ever called to offer you a better rate?
Refinancing is simpler than you think and it’s time to save thousands!
The banks could be seen to be playing a game with your money
Banks don’t proactively keep you on the best rate. When you first get your loan, sure you might be on a good rate, but as time goes on an obvious gap between a good rate and your rate seems to appear. Let’s make sure that doesn’t happen again!
“You wouldn’t stroll into your bank each month and toss hundreds of dollars on the floor. If you (or Mint Home Loans) aren’t watching your rate, that’s exactly what’s happening - and it’s costing you real money.”
Top 4 reasons - To refinance
Secure a Lower Interest Rate
Refinancing can help you lock in a lower rate, meaning smaller monthly repayments and big savings over the life of your loan.
Access Equity for Other Needs
If your home's value has grown, refinancing can let you tap into that equity to fund renovations, investments, or major purchases, even School fees.
Reduce Your Monthly Repayments
By adjusting your loan term or getting a better rate, refinancing can lower what you pay each month - freeing up cash for other goals. Even consider consolidating your debts.
Switch to a Loan That Suits You Better
Maybe you want a fixed rate for certainty, a variable rate for flexibility, or a loan with better features. Refinancing lets you move to a loan that fits your current lifestyle.
“Banks count on you being too busy with life, so who is watching your rate creep?”
Listen to Happy NSW Homeowners Who have worked with us
No time to track your home loan rate? We'll do it for you - free of charge. It's a no-brainer!
FAQs About Refinancing Your Home Loan
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Refinancing can save you money through a lower interest rate, reduce your monthly repayments, give you access to home equity, or let you switch to a loan that better suits your needs.
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There can be some costs like discharge fees, new loan setup fees, and government charges. However, in many cases the savings far outweigh the costs — and some lenders even offer cashback incentives.
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If your current rate is higher than what’s available, or if your circumstances have changed (like increased equity), refinancing could be a smart move. Mint Home Loans can do a free review and show you the numbers.
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Typically, refinancing takes about 2–6 weeks, depending on the lender and how quickly documents are provided.
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It’s a good idea to review your loan every 12months as a minimum.
