Refinance Your Home Loan and Save
If you haven't reviewed your mortgage in the last 2 years, you're likely paying too much.
The home loan market changes constantly. Lenders regularly offer better rates to new customers than they give existing ones. Refinancing with Square 1 Property Group means we compare your current loan against hundreds of alternatives — and if we can save you money, we'll show you exactly how much and make the switch as painless as possible.
Rate Comparison
We compare your current rate against 40+ lenders to identify genuine savings opportunities.
Cashback Offers
Many lenders offer cashback incentives for refinancers — we identify which offers are genuinely worthwhile.
Debt Consolidation
Roll personal loans, car loans, and credit card debt into your mortgage to reduce your total monthly repayments.
Equity Access
Refinancing can unlock equity built up in your home to fund renovations, investments, or other goals.
Feature Upgrade
Switch to a loan with an offset account, redraw facility, or flexible repayment options that better suit your lifestyle.
Break Cost Analysis
We calculate any exit fees or break costs on your current loan to ensure refinancing is genuinely beneficial.
Our Simple Process
Loan Health Check
We review your current loan, rate, and features against the market.
Savings Analysis
We calculate your potential savings and present the best refinancing options.
Application
We prepare and lodge your refinance application with the new lender.
Settlement
We manage the discharge of your old loan and settlement of the new one.
Is It Time to Refinance?
Common Questions
How much can I save by refinancing?
It depends on your loan balance, current rate, and the new rate available. Even a 0.5% reduction on a $500,000 loan saves approximately $2,500 per year.
Are there costs to refinance?
There may be discharge fees from your current lender and application fees with the new one. We calculate the full cost-benefit analysis before you proceed.
How long does refinancing take?
Typically 2–4 weeks from application to settlement, depending on the lender and your circumstances.
Will refinancing affect my credit score?
A credit enquiry is made when you apply, which has a minor short-term impact. We minimise unnecessary enquiries by targeting the right lender first.
Ready to Get Started?
Book a free, no-obligation consultation with our team today.