Refinancers
More than a rate, it's what refinancing makes possible.
Refinancing comes with lots of questions and options. Often it's about more than the interest rate - it may be the additional equity, and what that provides for your family's enjoyment.
How we help
Clarity and confidence that you've made the right decision to stay.
Whatever your life plans - freeing up cash flow, funding a renovation, consolidating debts or simply paying less for the same loan - we guide you through the options and give you clarity and confidence that you've made the right call.
And because of our Heart Rate Advantage program, refinancing isn't a one-off event: we keep reviewing your loan, year after year, so it keeps earning its place.
Where we add value
What a great refinance looks at.
01
An honest loan health check
Rate, fees, structure, features - we review the whole loan against the market, and tell you honestly whether moving is worth it. Sometimes staying put wins.
02
Equity, unlocked thoughtfully
The equity in your home can fund a renovation, an investment or a life plan. We help you access it in a way that keeps your future options open.
03
Debt consolidation, done carefully
Rolling higher-interest debts into your home loan can ease cash flow - but only when it's structured to actually save you money over time. We make sure it does.
04
The Heart Rate Advantage
After settlement, we keep monitoring your rate against the market - negotiating with your lender when we spot a better deal, and telling you about the savings.
A better loan isn't just cheaper. It buys back your future.
Free guide
Download our free guide to refinancing your loan
Everything you need to know about refinancing your home loan, from comparing rates and repayments to accessing equity, switching lenders and understanding the costs involved, all written in plain English.
Get the guideThe team reached out to me to discuss moving to a different lender for a better rate on my home loan - without me even asking! When you work with Heart Financial you get a service for life.
Mary S — Refinancer
Wondering what your loan is really costing you?
A quick, honest review will tell you. No pressure, no obligation, no cost.
