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Download our free refinancing guide

Refinancing Your Home Loan

Thinking about refinancing your home loan but not sure where to start?

Our free Looking to Refinance Guide explains everything you need to know before switching lenders, including how refinancing works, when it makes sense to refinance, and what to consider before making a decision.

Inside the guide you’ll learn:

  • How refinancing your home loan works
  • When refinancing could save you money
  • How to compare home loan options
  • Understanding refinancing costs and fees
  • Accessing the equity in your home
  • Questions to ask before switching lenders

Whether you’re looking to reduce your repayments, secure a better interest rate, renovate your home or consolidate debt, this guide will help you make an informed decision.

Simply enter your details below to download your free guide and, if you’d like personalised advice, the Guzman Finance team is here to help.

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FAQ

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When does it make sense to refinance?
Refinancing is worth considering if you can secure a better interest rate, want to access equity, need to consolidate debt, or your current loan no longer suits your circumstances. Andres can review your existing loan to see if switching makes financial sense.
You may encounter discharge fees from your current lender, application or valuation fees from your new lender, and potentially government charges. These vary by lender, so it’s worth getting a clear breakdown before you commit.
Yes, refinancing is a common way to access built-up equity, which many people use for renovations, investment, or other major expenses. How much you can access depends on your current loan balance and property value.
Applying for a new loan does involve a credit check, which can have a small, temporary impact on your credit score. This is generally outweighed by the long-term savings if refinancing gets you a better deal.
It varies by lender, but the process often takes a few weeks from application to settlement. Andres can help keep things moving and manage the paperwork so there’s minimal disruption to your day-to-day.