Refinancing
Refinancing
Is your current loan still working for you?
Rates, fees and features change. We review your existing loan against our panel to see whether refinancing could lower repayments, unlock equity, or better suit where you are now.
Who it's for
- Borrowers who haven't reviewed their loan in a few years
- Anyone wanting to consolidate debt or access equity for renovations
- People rolling off a fixed rate and unsure what comes next
How Rejoice helps
- Review your current rate, fees and features against the market
- Calculate whether the switch is worth it after any costs
- Compare loans across our lender panel for a better fit
- Manage the switch end-to-end, including discharging the old loan
The process
How refinancing work with us
- 1
Review your loan
We look at your current rate, structure and any break or exit costs.
- 2
Compare the market
We compare options on our panel against what you have now.
- 3
Apply & assess
If it stacks up, we prepare and lodge the refinance application.
- 4
Switch & settle
We coordinate the discharge and settlement of the new loan.
Good to know
Refinancing — common questions
Is refinancing worth it?
It depends on your current rate, the costs to switch (such as discharge and government fees) and what you want to achieve. We work through the numbers with you before recommending anything — sometimes staying put is the right call.
Can I access equity when I refinance?
Often, yes. If your property has grown in value, you may be able to borrow against that equity for renovations, an investment, or other purposes, subject to the lender's assessment.
Will refinancing affect my credit?
A refinance application involves a credit enquiry, which can be recorded on your credit file. We help you apply once, to the right lender, rather than shopping your application around to many lenders at once.
Explore
Other ways we can help
Ready to see what's possible?
Start your enquiry online or book a chat. It's free, friendly and there's no obligation.