We calculate realistic borrowing power based on income, expenses, and deposit.
Guidance on low deposit loans, guarantor options, and government schemes.
We compare major banks and specialist lenders that suit first home buyers.
We structure loans to reduce costs, improve flexibility, and plan ahead.
From pre-approval to settlement, we manage the process end to end.
Plain English advice so you know exactly what you are signing up for.
Refinancing is not just about chasing a lower interest rate. It is an opportunity to review whether your current loan structure still suits your financial position, goals, and future plans.
Many borrowers stay with the same lender for years without reviewing their loan. Over time, rates change, features become outdated, and better options become available. Refinancing allows you to reassess and take advantage of improved terms.
At Mortera, we review your existing loan in detail. This includes interest rate, fees, loan features, offset arrangements, and how the loan impacts your borrowing capacity. We then compare suitable alternatives across major banks and specialist lenders.
Refinancing may also allow you to access equity built up in your property. This equity can be used for investment, renovations, debt consolidation, or future purchases, provided it aligns with your financial position.
Our focus is to ensure refinancing improves your position long term. We consider costs such as discharge fees, application fees, and potential break costs, so any move makes financial sense before proceeding.
You may consider refinancing if your rate is no longer competitive, your financial situation has changed, or you want access to better loan features such as offset accounts.
There may be fees such as discharge costs, valuation fees, or application fees. We compare these costs against potential savings to determine if refinancing is worthwhile.
Yes. If your property value has increased or your loan balance has reduced, you may be able to access equity. This depends on income, expenses, and lender policy.
It can, but it does not have to. We structure refinancing to suit your repayment goals, whether that is reducing repayments or paying off the loan sooner.
Refinancing typically takes between two to four weeks, depending on lender processing times and documentation.
Mortera is available 8am to 8pm, seven days a week.
We work Australia-wide.
No obligation.
Expect a response within five minutes during business hours.
298 George St, Haymarket, Sydney, Australia
Mortera Finance Pty Ltd trading as Mortera
ABN: XX XXX XXX XXX
Australian Credit Licence: XXXXXX
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