Melbourne’s Best Independent Mortgage Broker – available 7 days a week

What if We Finance

Should You Consider Home Loan Refinancing?

With so many great offers available and interest rates at an all-time low, there’s no better time to refinance your home loan in Melbourne. Do it with the guidance and support offered by What If We Finance. With access to over 40 lenders and 2,000 products, we will find you an unbeatable deal.

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mortgage broker home shape

We are available 7 days a week 8.30 am to 9.30 pm

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Chat to a broker

Our independent mortgage broker is available to chat to you online and help you find an unbeatable deal. Talk to a real mortgage broker today.

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Call Us

Call us now on 03 8804 1354 to talk to a mortgage broker Melbourne and we can help you achieve your financial goals

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Enquire

Alternatively, provide your contact information and a mortgage broker will contact you as soon as possible.

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refinance

Do You Need to Refinance?

Home loan products and interest rates are continuously changing. A home loan with an uncompetitive interest rate or debts like personal loans or credit cards can cost you thousands of dollars in unnecessary interest. For example every 0.50% of interest on a $600,000 home loan costs you $3,000 per annum or $15,000 every 5
years or $30,000 over 10 years. Over a year that is $60,000.

Alternatively by refinancing you can use the equity in your existing home to fund an investment property, share investment or consider Home loan products and interest rates are continuously changing. A home loan with an uncompetitive interest rate or debts like personal loans or credit cards can cost you thousands of dollars in unnecessary interest. Regardless of your situation your Melbourne Mortgage Broker, What If We Finance can work with you to conduct a complete Home Loan Health Check and using our marketing leading What If We software finds the best home loan for your circumstances in just a few minutes.

Why Choose to Refinance in Melbourne?

refinancing loans

Should you refinance your home loan? If you want to enjoy more loan features or secure a better interest rate, home loan refinancing can be a good solution. It’s also a great opportunity to tap into any home equity you’ve built up and get control of your debt.

Secure a better interest rate

The most popular reason home owners apply for a mortgage refinance in Melbourne is to reduce their monthly repayments by securing a lower interest rate. However, home loan refinancing can come with some costs, so it's crucial to weigh up the savings you gain against the expenses involved.

Switch between fixed/variable rates

If you decide you want to take advantage of a lower variable rate, you can switch to a variable rate loan. Or, if you suddenly prefer the certainty of repayments that will stay the same over a period of time, you can switch to a fixed rate loan.

Access home equity

Your home is likely one of your most valuable assets. When you harness its equity through home loan refinancing, you have the opportunity achieve personal financial goals or even build additional wealth.

Consolidate debt

For debt consolidation to be successful and truly cost-effective, you should commit to making extra repayments so you can quickly pay off the expanded loan.

document for home loans

Which bank offers the best Home Loan Refinance Rates in Melbourne?

There is a lot more to home loan refinancing than just the interest rate. Different banks have different policies which may impact how much you can borrow, refinancing rules and also cash backs may distort the actual savings.

What If We Finance is available 7 days week to help you find an unbeatable deal and understand how much you can save.

See What Our Clients Are Saying

EXCELLENT
176 reviews on
Matthew B
Matthew B
2022-06-05
Looking at the reviews for What If We Finance, it comes at no surprise to see so many 5-stars. Spiro handled the mortgage part of my girlfriend and I purchasing our first home. He made himself available to us around the clock and ensured that we were across the entire process and felt as comfortable as possible. We're very fortunate to have gone about buying our first home with Sprio and we'd be more than happy to use him for future purchases and to refer on to family and friends. A big shout out to Agnes also who busily works away in the background and also does an incredible job. You guys are the best!
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hari gowtham
hari gowtham
2022-06-03
Very happy with the results from Spiro from start to finish. Spiro and his team are very knowledgeable and have a very quick turnaround time. Couldn't be more happier with the service. Definitely my go-to person for upcoming purchase.
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Gary Shekhter
Gary Shekhter
2022-06-02
Great broker and trustworthy. Honestly had seen 5 brokers and fund this wonderful guy. Who helped from start to finish fast and had our loan in no time at all. Thank you again champ you did an amazing job
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Leonie Kemp
Leonie Kemp
2022-05-29
Thank you Spiro and Agnes for helping with the purchase of my first home. I needed to arrange finance quickly and Spiro did a fantastic job letting me know the best options for me and pushing to get the pre-approval so I didn't miss out on purchasing my home. Everything went very smoothly, thanks for helping make my first property purchase straightforward.
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S S
S S
2022-05-28
Thank you Spiro and team for your help in financing the mortgage for the recent property purchase. Spiro provided timely advise, guided me on the process and was swift in processing the documents. His friendly attitude makes the process even better. Thank you once again.
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Anita Naughton
Anita Naughton
2022-05-27
As a first home buyer I had very limited knowledge on what I needed to do. I searched for a broker and What if we finance stood out due to reviews. I had my first session with Spiro and never looked back! The whole process was seamless, I felt supported and could always connect with Spiro when needed. Spiro and Agnes are experts in what they do and I would highly recommended anyone looking for finance to choose What if we finance. I will be a lifelong customer and look forward to buying our next house with their support.
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Mahmoud Al Kilzi
Mahmoud Al Kilzi
2022-05-25
Spiro & his team did a great job by getting my loan sorted in time. I would recommend them to family & friend. Great work guys much appreciated.
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Rebecca Zeeman
Rebecca Zeeman
2022-05-20
Spiro and Agnes provided great help and advocacy in getting us our home loan. We felt they were always available and were super efficient in getting it all done on time! The process was so simple and without stress thanks them both.
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Irish Azcuna
Irish Azcuna
2022-05-09
I can’t thank Spiro and Agnes enough for making my first home purchase so efficient, stress-free and seamless! If I could give more than 5 stars I would. As a first home buyer applying for one or the government’s schemes, my situation would have been so complicated that I never imagined being able to complete the process in such a short time. Spiro’s in-depth knowledge, invaluable and always-available support, and genuine willingness to help get me the right mortgage for my situation, made everything possible. His pragmatic advice even helped me decide on the right property for us, which would help us achieve our long-term goals. I highly recommend Spiro and his team. We will definitely engage their service again for our next property. They are the best!
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Renee Briggs
Renee Briggs
2022-05-02
Spiro is reliable, has your best interest as his top priority and is fast to get great results. We wouldn't ask anyone else for their professional opinion- Spiro is the best in the business.
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