Refinancing your home loan

We help you make sense of your choices

A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered.

Download our guide to refinancing your home loan

As time goes on, your situations and needs change. Have you started a new job? Welcomed a new family member? Perhaps you’re looking for a better interest rate or finally ready to kick off that renovation project. Whatever the reason, it’s the perfect time to review your options.

Changing circumstances may mean it is time to revisit your home finances

Refinancing a mortgage can feel overwhelming for many people. This is where our expertise comes in. We can clarify the nuances of fees and the choice between fixed and variable interest rates. Opting for the right refinanced loan could pave the way to quicker mortgage repayment, reduced costs, elimination of unhealthy debt, or the enhancement and increased value of your home, all of which are steps in the right direction.

What Our Customers Say

" Refinancing at any time is potentially stressful and potentially more so in an increasing interest rate environment. Needless to say, the preparation and planning that Andres did in the lead up to the refinance date and the strategy implemented at refinancing allowed our main residence and investment loans to be rolled over at extremely competitive terms. Well done and thanks Andres and Sarah on providing exceptional service on our refinancing project. "

" My wife and I could not be happier with the service we have received, through the last 2 years we have been helped in starting our mortgage with our new home and refinancing it too to help save us money all along the way while enjoying our family’s new home. "

" Thank you so much Sarah & Andres. As I have shared with Andres, this refinance process has been seamless, efficient and hassle free. I am sure you guys contributed to this amazing process. I will be delighted to speak with any prospective customers to share my amazing lived experience with your service. "

" Andres and team have helped us manage our mortgage through first home buying, refinancing, career changes and starting a family. Unwavering professionalism and assistance at every step of the way, we have recommended Guzman Finance to several family and friends. "

" Guzman Finance services came highly recommended to us and I can see why! We've been working with Andres and team for over 3 years and they have helped secure the best mortgage deal for us and refinanced after effortlessly. Andres is also helpful, informative and explains everything thoroughly so you're comfortable making important decisions. "

" We have been with (Andres) Guzman Finance since 2018. We initially reached out to him to help with the refinance of our home. And as what most people have said, Andres is very professional, informative, honest, and direct. He would be patient explaining to us all the scenarios to make us understand the pros and cons of our plans. He never fails to answer our questions and even so to return to our calls. We continue to recommend him to our friends, and we are extremely grateful for all his help. "

FAQ

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Whatever your circumstances, we will find the deal that’s right for you.

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Have other questions that need an answer?

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.

What costs are involved in refinancing?

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.

Can I access the equity in my home when I refinance?

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.

Will refinancing affect my credit score?

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.

How long does the refinancing process typically take?

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.