Home Loan Refinance

Home Loan Refinance Services in Melbourne and Across Australia with Expert Mortgage Brokers

Rated 5 from 479 Reviews

Expert Home Loan Refinance Solutions with AXTON Finance

When it comes to Home Loan Refinance, AXTON Finance stands as one of the best Mortgage Broker services in Melbourne and across Australia, helping homeowners unlock better financial opportunities. Our refinance specialists understand that your financial situation may have changed since you first secured your home loan, and we're here to help you access some of the best interest rates available from banks and lenders nationwide. Whether your fixed rate period is ending, you're looking to reduce Home Loan repayments, or you want to release equity to buy your next property, our comprehensive Home Loan Refinance service can transform your mortgage experience.

As experienced Mortgage Brokers, AXTON Finance provides access to Home Loan options from banks and lenders across Australia, ensuring you're not limited to just one institution's offerings. Our streamlined Home Loan Refinance process makes it simple to explore better Home Loan options, whether you're interested in accessing a lower interest rate, changing your loan term, or consolidating debts into your mortgage. We work closely with you to understand your current Home Loan amount and financial goals, guiding you through the application process with personalised support. Our Finance & Mortgage Broker team handles the complex paperwork, including bank statements verification and lender communications, so you can focus on what matters most to you.

The importance of professional Home Loan Refinance guidance cannot be overstated, particularly when navigating the diverse landscape of variable interest rate and fixed interest rate products available in today's market. AXTON Finance helps you check eligibility for special lender policies that you might not have access to as an individual borrower, potentially saving you thousands of dollars over the life of your loan. Our refinance specialists take the time to analyse your specific circumstances, whether you're releasing equity in your home for renovations, investment purposes, or major life changes. We ensure that every Home Loan Refinance recommendation aligns with your long-term financial objectives.

Choosing AXTON Finance as your trusted Finance & Mortgage Broker means gaining access to competitive refinance interest rates and professional expertise that can make a significant difference to your financial future. Our comprehensive approach to Home Loan Refinance goes beyond simply finding a lower interest rate – we examine your entire financial picture to identify opportunities for improvement. From first-time refinancers to experienced property investors, our team provides tailored solutions that address your unique needs and circumstances. We pride ourselves on being transparent throughout the entire process, ensuring you understand every aspect of your new loan structure.

The value of expert Home Loan Refinance services extends far beyond the immediate financial benefits, offering long-term peace of mind and financial flexibility. AXTON Finance has built strong relationships with numerous lenders, giving our clients access to exclusive products and preferential rates that aren't always advertised to the general public. Our ongoing support doesn't end once your refinance is complete – we continue to monitor market conditions and keep you informed of future opportunities to optimise your mortgage. When you're ready to explore how Home Loan Refinance can benefit your situation, our experienced team is here to guide you every step of the way, ensuring you make informed decisions that support your financial goals.

How much could you save by refinancing to a better loan?

AXTON Finance

Common Questions About Home Loan Refinance

When is the right time to consider Home Loan Refinance?

The timing for Home Loan Refinance varies depending on your individual financial situation and market conditions. Many homeowners consider refinancing when their fixed rate period is ending, when they want to access equity in their home, or when interest rates have dropped significantly. AXTON Finance can assess your current loan terms against available market options to determine if refinancing would benefit you. Our refinance specialists recommend booking a free consultation to discuss your specific circumstances and explore whether now is the optimal time for your Home Loan Refinance.

How much can I save through Home Loan Refinance?

The potential savings from Home Loan Refinance depend on various factors including your current interest rate, loan amount, remaining loan term, and the new rates available to you. Some clients access significantly lower interest rates, while others benefit from improved loan features or the ability to consolidate debts. AXTON Finance uses sophisticated comparison tools to calculate potential savings across different scenarios. As experienced Mortgage Brokers, we encourage you to book a free consultation where we can provide personalised calculations based on your specific Home Loan amount and financial goals.

What documents do I need for the Home Loan Refinance application process?

The application process for Home Loan Refinance typically requires recent bank statements, payslips, tax returns, and details of your current mortgage. However, document requirements can vary between lenders and depend on your employment type and financial situation. AXTON Finance provides a comprehensive checklist tailored to your chosen lender's requirements, making the process as streamlined as possible. Our Finance & Mortgage Broker team guides you through document preparation and helps ensure your application is complete and compelling. Contact us for a free consultation to understand exactly what documentation you'll need for your Home Loan Refinance.

Can I release equity in my home through refinancing?

Releasing equity in your home through Home Loan Refinance is possible and can provide funds for various purposes including home improvements, investment opportunities, or debt consolidation. The amount of equity you can access depends on your property's current value, your existing loan balance, and lender policies. AXTON Finance works with lenders across Australia who offer different equity release options and loan-to-value ratios. Our refinance specialists can check your eligibility for special lender policies and help structure a refinance that meets your equity release needs. We recommend booking a free consultation to explore your options.

Should I choose a variable interest rate or fixed interest rate when refinancing?

The choice between variable interest rate and fixed interest rate options depends on your risk tolerance, financial goals, and market outlook. Variable rates offer flexibility and potential benefits when rates fall, while fixed rates provide certainty and protection against rate rises. Many clients also consider split loans that combine both options. AXTON Finance provides access to both variable and fixed refinance interest rates from multiple lenders, allowing you to compare options comprehensively. Our experienced Mortgage Brokers can explain the pros and cons of each option based on your specific circumstances during a free consultation.

How long does the Home Loan Refinance process take?

The timeframe for Home Loan Refinance typically ranges from 2-6 weeks, depending on the complexity of your application, lender processing times, and how quickly documentation is provided. AXTON Finance's streamlined Home Loan Refinance process aims to minimise delays through proper preparation and strong lender relationships. Our team manages the entire process, from initial application through to settlement, keeping you informed at every stage. While we work to expedite your refinance, we also ensure all details are thoroughly reviewed for your protection. Book a free consultation to discuss realistic timeframes for your specific Home Loan Refinance requirements.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 479 Reviews

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

Today

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

2 days ago

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

4 days ago

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

5 days ago

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

5 days ago

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

This month

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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