Refinance your Loan

Take advantage of better rates on the market and start saving

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from 96 Reviews

We're here to help you Refinance your Home Loan or Investment Loan

Refinancing your mortgage can be a strategic move to improve your financial situation. At Aviser Finance, we help clients in Melbourne, Victoria, and across Australia access loan options from banks and lenders nationwide. Whether you are looking to secure a better interest rate, adjust your loan amount, or release equity in your property, our team is here to guide you through the process with ease and confidence.

Refinancing involves reassessing your current mortgage terms and finding better loan options that align with your financial goals. One of the most common reasons for refinancing is to access a lower interest rate. As interest rates fluctuate, you might find that you can reduce loan repayments by switching to a new loan with a more favourable rate. This could involve changing from a variable interest rate to a fixed interest rate or vice versa, depending on your preferences and market conditions.

Another reason to consider refinancing is when your fixed rate period is ending. This could be an ideal time to explore different loan options and potentially lock in a lower rate. Aviser Finance provides access to banks and lenders nationwide, ensuring you have a broad range of choices to suit your needs. We can help you check eligibility for special lender policies, which might offer further savings or benefits.

Releasing equity in your property can also be a powerful financial tool. By refinancing, you may be able to access the equity built up in your home, providing funds for various purposes such as home improvements or investing in another property. This process allows you to release equity to buy the next property, expanding your investment portfolio while maintaining control over your finances.

Refinancing can also be beneficial if you are looking to consolidate debts. By rolling multiple debts into one mortgage, you could simplify your financial obligations and possibly reduce the overall interest paid. This approach not only streamlines the application process but also makes managing repayments more straightforward.

The application process for refinancing is designed to be as seamless as possible at Aviser Finance. We assist with every step, including gathering necessary documents like bank statements and assessing your credit history to determine the best refinancing options available. Our goal is to provide a streamlined application process that minimises stress and maximises benefits.

Finally, refinancing offers the opportunity to change your loan term. Whether you wish to shorten your loan term to pay off your mortgage sooner or extend it for lower monthly repayments, our team will work with you to find the best solution tailored to your circumstances.

In summary, refinancing can open up a world of possibilities for improving your financial situation. Whether it is accessing a lower interest rate or releasing equity in your property, Aviser Finance offers expert guidance and access to banks and lenders across Australia. Contact us today to explore how we can assist you with refinancing your mortgage and achieving your financial goals.

Our Refinancing Process

1. Initial Consultation

Your refinancing journey begins with a free, no-obligation chat. We take time to understand your current home loan, what you are paying, and what you are hoping to achieve, whether that is a lower interest rate, reduced repayments, accessing equity in your home, or consolidating personal debt. This conversation helps us understand your situation and identify whether refinancing is the right move for you.

2. Review of Your Current Loan

We take a close look at your existing home loan, including your current interest rate, remaining term, outstanding balance, and whether you are on a variable, fixed, or split rate. We also identify any break costs, discharge fees, or early exit penalties that may apply. Understanding the full picture of your current arrangement allows us to accurately calculate whether refinancing will leave you better off.

3. Financial Assessment

We conduct a thorough review of your income, expenses, assets, and liabilities to confirm your current borrowing capacity. Your financial situation may have changed since you first took out your home loan, and this assessment ensures we match you with lenders and products that suit where you are today. You will typically need your driver's licence, recent payslips or tax returns, bank statements, your current loan statements, and a recent council rates notice.

4. Strategy Development

We develop a tailored refinancing strategy based on your goals and your home. For owner-occupiers seeking lower repayments we explore competitive variable or fixed rates, while those wanting to pay their loan off sooner may benefit from an offset account or redraw facility. If you are looking to access equity for renovations, a holiday, or other personal goals, we assess your current property value against your outstanding balance to determine how much may be available. We also consider whether a principal and interest or interest-only structure best suits your circumstances.

5. Loan Recommendations

We present clear, easy-to-understand refinancing options with a detailed comparison of interest rates, fees, loan terms, and potential savings over the life of the loan. We cover variable versus fixed rates, offset accounts, redraw facilities, and split loan options. Everything is explained in plain English so you can see exactly how each option compares to what you are currently paying, with no pressure and no jargon.

6. Application Preparation

Once you have selected your preferred option, we handle all the paperwork and prepare your application carefully before submission. We liaise with your existing lender to obtain a full payout figure and coordinate with valuers if a formal property valuation of your home is required. Our team checks every detail to give your application the best possible chance of approval.

7. Lender Negotiation

We submit your application and manage all communication with the new lender on your behalf. Our established relationships with banks and financial institutions often allow us to negotiate better rates and terms than you may be able to access directly, and we keep you informed throughout the entire process.

8. Settlement and Loan Transition

We coordinate the discharge of your existing home loan and the settlement of your new one, ensuring the transition is seamless with no gaps or overlap in repayments. We review all final loan documents with you, explain the new terms clearly, and make sure you are comfortable before anything is signed. We remain available after settlement to assist with any future finance or property needs.

About Aviser Finance

Aviser Finance is a property finance brokerage based in Melbourne. We exist to help you turn your ambitions into reality. Whether you are buying your first home, growing your investment portfolio, refinancing to save money, or exploring construction and business finance, we evaluate your circumstances and recommend the best options available to you.

We do more than find the right loan. We advocate on your behalf, present your proposal to the most suitable lenders, and manage the entire process from start to finish. You receive a personalised finance plan, explained clearly in plain English, and you are kept informed every step of the way.

Even after your loan settles, we are here to answer your questions and help you make the most of your investment. We build life-long relationships with our clients, because your goals are at the centre of everything we do.

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Our Recent Reviews

My experience with Aviser was nothing but positive - I knew I was in safe and knowledgeable hands. Everything moved quickly and my loan was secured with minimal hassle. Thanks to the team for a seamless experience.

Rebecca Hyde

The team at Aviser were so helpful, they listened to our needs followed through. They were extremely organised and we really appreciated their attention to detail. Essentially, they looked after their end and left us to take care of ours. We would highly recommend them!

Liz Mascia

I can't recommend the team at Aviser highly enough. I appreciated Martin's in-depth knowledge, professionalism, and the time he took to answer questions (and I had many!) Information provided was always easy to understand and my options were made clear. In fact the whole experience from beginning to end ran smoothly and was stress free. I would use Aviser again in the future without hesitation.

Elle Watson

Without using an Aviser broker we feel we wouldn’t have secured a mortgage, as Avisor had the knowledge and expertise to negotiate in a way that we couldn’t. Thanks so much guys...will definitely use you again and recommend you to friends.

Rebecca Ackermann

Frequently Asked Questions

Can I refinance my existing home loan through Aviser Finance?

Yes, refinancing is one of the key services we provide at Aviser Finance. Whether you're looking for a lower rate, accessing equity for renovations or investment, consolidating debts or switching to a loan product with features that better suit you, we'll compare options across our lender panel. We'll also explain any costs involved, such as discharge fees from your current lender, so you can make an informed decision.

How long does the mortgage application process take?

Full approval, including property valuation, typically takes between two to four weeks on average. Timeframes vary by lender and how complex your situation is, and having your documents ready early helps keep things moving. If you're buying, getting your borrowing capacity confirmed first gives you a head start.

What does a mortgage broker do?

A mortgage broker acts as an intermediary between you and potential lenders. We assess your financial situation, understand your property goals and compare loans from our panel of lenders across Australia, including major banks, credit unions and specialist lenders. We then handle the research, paperwork and negotiations to get your loan approved.

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

Generally, you'll need proof of identity such as your driver's licence and Medicare card, recent payslips or tax returns, bank statements, and details of any existing debts and assets. Requirements vary by lender and loan type, and we'll give you a checklist tailored to your situation.

What areas does Aviser Finance service?

Aviser Finance proudly services clients throughout Melbourne, across Victoria, and Australia-wide. Whether you're in Sydney, Brisbane, Perth, Adelaide, or regional areas, we can help you with your finance needs. We meet local Melbourne and Victoria clients in person and work with interstate clients by phone and video, whether you're in metropolitan Melbourne or rural Queensland.

Locally, our Brighton team works with borrowers across the City of Kingston, including Aspendale, Bonbeach, Clarinda, Heatherton, Parkdale and nearby Bangholme; the City of Port Phillip, including Elwood, Ripponlea, Balaclava and Port Melbourne; and the City of Bayside, including Sandringham and surrounding suburbs.

What types of loans does Aviser Finance assist with?

We help with home loans for first home buyers, next home buyers and those upgrading. We arrange investment property loans for those building their property portfolio, as well as land purchases, construction loans and commercial property finance, SMSF loans for buying property through your super, and equipment finance for business owners. We also assist with refinancing existing loans, debt consolidation and accessing equity in your property. We work with borrowers who have less than perfect credit history, self-employed individuals, and temporary residents.

How much does it cost to use a mortgage broker?

For most clients, using a mortgage broker often doesn't cost them anything directly. Aviser Finance typically receives commission from the lender once your loan settles. For complex commercial lending or unique financial circumstances, a fee for service may apply, and we'll always explain this upfront before any work begins.

Why should I use a broker instead of going directly to my bank?

Your bank can only offer their own products. As a broker, we compare a much wider range of loan products from our panel of lenders to find a loan that suits your goals. We also save you time by managing the application process and following up with lenders on your behalf, while protecting your credit score from multiple enquiries.

Can Aviser Finance help me if I'm self-employed?

Absolutely. At Aviser Finance, we have extensive experience working with self-employed individuals. We understand that self-employed borrowers often face additional challenges when applying for a loan, and we work with business owners, contractors and freelancers to present their application in the strongest way. Depending on the lender, you may need tax returns, business financial statements and accountant letters, whether you're a sole trader, in a partnership, or run a company.

What is the difference between pre-approval and formal approval?

Pre-approval, sometimes called conditional approval, is an initial assessment by a lender of how much you may be able to borrow, subject to property valuation and final verification. Formal approval, also known as unconditional approval, is granted once the lender has assessed the property and confirmed all your details. We recommend getting pre-approval before you start seriously looking at properties in Melbourne or elsewhere in Victoria.