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Refinance Loans
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Lower your interest rate. Reduce your repayments. Unlock your home’s value.
Refinance Home Loan
Looking for your dream home but overwhelmed by loan options? At Smart Mortgage Finance, we simplify the process so you can focus on what matters — getting the keys to your new home
At Smart Mortgage Finance, we make getting a mortgage easier for our customers. Our strategy is as simple as 1-2-3-4: we gather information from you, assess your situation, compare 70+ lenders to get you the best deal and try to get the house loan approved and settled by the lending institution.
Our specialists have access to over 70 reputable Australian lenders that are ready to fund you based on your circumstances and requirements.
Are you prepared to take out a house loan? Let us handle the paperwork, negotiation, and approval — at no cost to you.
When you need to Refinance
Switching your house loan to a lender with greater features and cheaper interest rates is a good idea.
My financial circumstances have changed, and I am now unable to make my existing house loan instalments. Is it possible to switch lenders and refinance my house loan for a lower monthly payment?
Our financial condition has improved, and we now want a house loan with flexible payment alternatives.
We want to refinance because we want to leverage the equity in our house loan to refurbish it.
We’re nearing the conclusion of our fixed-rate mortgage. Is it possible to get a better home loan rate?
Is there a better and more convenient method for me to access my accounts and make payments through my lender or bank?
If you’re self-employed, that might mean more money in your pocket and fewer repayments.
Learn more about the benefits of refinancing on Moneysmart
Refinance Today
Lower your interest rate. Reduce your repayments. Unlock your home’s value.
Refinance Home Loan
Looking for your dream home but overwhelmed by loan options? At Smart Mortgage Finance, we simplify the process so you can focus on what matters — getting the keys to your new home
At Smart Mortgage Finance, we make getting a mortgage easier for our customers. Our strategy is as simple as 1-2-3-4: we gather information from you, assess your situation, compare 70+ lenders to get you the best deal and try to get the house loan approved and settled by the lending institution.
Our specialists have access to over 70 reputable Australian lenders that are ready to fund you based on your circumstances and requirements.
Are you prepared to take out a house loan? Let us handle the paperwork, negotiation, and approval — at no cost to you.
When you need to Refinance
Switching your house loan to a lender with greater features and cheaper interest rates is a good idea.
My financial circumstances have changed, and I am now unable to make my existing house loan instalments. Is it possible to switch lenders and refinance my house loan for a lower monthly payment?
Our financial condition has improved, and we now want a house loan with flexible payment alternatives.
We want to refinance because we want to leverage the equity in our house loan to refurbish it.
We’re nearing the conclusion of our fixed-rate mortgage. Is it possible to get a better home loan rate?
Is there a better and more convenient method for me to access my accounts and make payments through my lender or bank?
If you’re self-employed, that might mean more money in your pocket and fewer repayments.
Learn more about the benefits of refinancing on Moneysmart
Refinance Today
CASE STUDY
Jane Saved $156,845 on Her Mortgage
Jane thought she had a great loan—until she found out she was overpaying by over $400 a month. By refinancing with us, she slashed her monthly payments and saved over $150K across her loan’s lifetime.
Access 70+ Trusted Aussie Lender
This means more options and better chances of approval — no matter your situation.
Why Choose Smart Mortgage Finance?
5-Star Rated Service
Happy customers and glowing reviews across Google.
Access to 70+ Lenders
We search across more than 70 banks and lenders to get you the best deal.
Customer-First Approach
We take the time to understand your needs and guide you with clarity.
Tailored loan options for every stage of your financial journey
Home Loans
Purchase your dream home with tailored options.
Refinance Loans
Lower your monthly repayments and save more over time.
Low Credit Score
Loans designed to help rebuild your financial path.
Self-Employed
Flexible options tailored to self-employed income.
No LMI Home Loans
Save thousands by avoiding Lender's Mortgage Insurance.
SMSF
Grow your portfolio using your Self-Managed Super Fund.
Business & Commercial Loans
Finance solutions for businesses, warehouses, shops & commercial assets.
Asset Finance
Vehicles, machinery, equipment, tools - we'll help fund it.
Tailored loan options for every stage of your financial journey
Home Loans
Purchase your dream home with tailored options.
Refinance Loans
Lower your monthly repayments and save more over time.
Low Credit Score
Loans designed to help rebuild your financial path.
Self-Employed
Flexible options tailored to self-employed income.
No LMI Home Loans
Save thousands by avoiding Lender's Mortgage Insurance.
SMSF
Grow your portfolio using your Self-Managed Super Fund.
Business & Commercial Loans
Finance solutions for businesses, warehouses, shops & commercial assets.
Asset Finance
Vehicles, machinery, equipment, tools - we'll help fund it.
Frequently Asked Questions
Got Questions? We’ve Got Answers!
How long does it take to get approved?
Approval times vary depending on the lender, the type of loan, and the reason for your application.
For example, if you’re purchasing a property with a cooling-off period or finance clause deadline, we may be able to escalate your application. Refinance applications typically follow the lender’s standard service level agreements (SLA), which we’ll update you on before submission.
Get in touch to learn more
Do I need to pay anything upfront?
No. Our service is free for you. We work directly with the banks and aggregators.
Get in touch to learn more
Can I get a home loan if I have bad credit?
Yes, we work with specialist lenders who provide tailored home loan solutions for people with bad credit, defaults, or low credit scores. Every situation is reviewed on a case-by-case basis.
Get in touch to learn more
What loan types do you offer?
We offer the following loan types;
New Purchase, Refinance, Equity Release, Debt Consolidation, SMSF Loans, Asset Finance, Business and Commercial Loans.
Get in touch to learn more
How much can I save by refinancing my home loan?
On average, our clients save thousands by refinancing to a better rate. For example, some customers have saved up to $156,000 over the life of their mortgage by switching to a more competitive lender.
Get in touch to learn more
Do you help first-home buyers get a loan?
Yes, we guide first-time home buyers through the entire mortgage process — from deposit requirements to lender comparisons and approvals.
Get in touch to learn more
