Join our Referral Partner Program
Join our Referral Partner Program
If you have not reviewed your rate in the last two years, it may be time to refinance your home loan. Many borrowers pay more than they need to simply because they stay with the same lender.
When you refinance your home loan with us, we compare 50+ lenders, calculate your real savings after fees and handle the switch for you. A refinance home loan can lower your rate, release equity, consolidate debt or add an offset account.
Use our refinance calculator, then call us to see whether a refinance home loan makes sense for you now.
Helpful independent resources:
Common reasons Australians refinance their mortgage
If your rate is higher than what new customers are being offered, switching could cut your repayments. We compare 50+ lenders to find a sharper rate.
Use the equity you’ve built for renovations, an investment property or a business, with the right structure and protections in place.
Offset accounts, redraw, split loans or a better fixed/variable mix. We match the loan features to how you actually use your money.
Kickstart Finance Group makes refinancing simple, fast and stress-free. Whether you want a better rate, lower repayments, access equity, or consolidate debt — we compare 50+ lenders to find the best option for you.
Start My Refinance
Reduce your repayments instantly by switching to a more competitive rate.
Use your home’s equity to renovate, invest or fund major life goals.
Combine multiple debts into one manageable home loan repayment.
Move to a loan with offset, redraw and flexible repayment options.
We review 50+ major and specialist lenders to find the best rate and structure for your goals.
Kickstart prepares your refinance application and manages everything with the lender.
Once approved, your new lender pays out the old loan and you benefit from lower repayments.
Let Kickstart Finance Group compare the best refinance offers for you — with no cost and no obligation.
Start My RefinanceCosts depend on your situation. They can include a discharge fee from your current lender, break costs if you’re on a fixed rate, and application or settlement fees from the new lender. Some lenders offer cashback that offsets these. We’ll show you the full cost and the estimated savings before you decide. In most cases our broker service costs you nothing, as we’re paid by the lender you choose, and we disclose this upfront.
Most refinances take around 2 to 6 weeks from application to settlement, depending on the lender, the valuation and how quickly documents are provided. We manage the process and keep you updated at every step.
Each loan application is recorded on your credit file. Because we compare lenders before you apply, you only apply once, to the lender that best suits you.
Common triggers are a fixed rate ending, your rate being higher than new-customer rates, wanting to access equity, consolidating debts, or needing better features like an offset account.
Often, yes. We work with major banks and specialist lenders who assess low-doc, self-employed and credit-impaired applications.
Tell us what you need and we’ll compare 50+ lenders for you. No cost, no obligation. Prefer to talk? Call 0422 905 666.
