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Refinance Your Home Loan – Sydney & NSW
If you haven’t reviewed your home loan in the last 24 months, there’s a strong chance you’re paying more interest than you need to.
Rates change. Lender policies change. Your life changes.
But many homeowners across Sydney and NSW stay on the same loan for years — often costing themselves thousands of dollars without realising.
Refinancing could help reduce your repayments, improve your loan features, and free up cash flow, without any upfront cost.
Why Do People Refinance Their Home Loan?
Most homeowners refinance to:
• Lower their interest rate
• Reduce monthly repayments
• Access better loan features
• Consolidate debts into one lower repayment
• Use equity for renovations or investments
• Fix a loan structure that no longer suits them
Often, people refinance simply because their current loan is no longer competitive — especially for homeowners refinancing in Sydney, the North Shore and surrounding areas.
When Should You Consider Refinancing?
You may want to consider refinancing if:
• Your loan hasn’t been reviewed in over a year
• Interest rates have changed since you took your loan
• Your income has increased
• Your property value has gone up
• Your lifestyle or financial goals have changed
Many people wait until they’re struggling — but refinancing works best when you’re proactive.
How much Could you Save by Refinancing?
The savings from refinancing can be significant.
Even a small interest rate reduction can save you thousands of dollars over the life of your loan.
For example, on a $600,000 loan, reducing your rate by just 0.50% could save you over $3,000 per year in interest.
That’s money that could go towards:
• Family expenses
• Holidays
• Investments
• Paying off your home faster
We’ll calculate exactly what refinancing could save you — based on your current loan and market options.
👉 Want to understand your borrowing power and options? See how much you can borrow.
What Does It Cost to Refinance?
Refinancing can involve some costs, including:
• Discharge fees from your current lender
• Government registration fees
• New loan application fees (some lenders waive these)
In many cases, the savings from a better loan far outweigh the costs.
We always compare the numbers clearly so you know whether refinancing is worth it.
Refinancing vs Staying with Your Current Bank
Some people ask whether it’s easier to just renegotiate with their current bank.
Sometimes it can help — but often, the best deals are reserved for new customers.
By comparing multiple lenders, you can see:
• Who offers the lowest rates
• Who has the best features
• Who suits your situation best
This gives you real leverage and better outcomes.
How the Refinance Process Works
Here’s a simple breakdown:
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Review your current loan
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Compare better options across lenders
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Apply for the new loan
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New lender pays out the old loan
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Your new loan starts
We handle the paperwork, lender communication, and process from start to finish.
👉 See our full step-by-step home loan process here.
Why Refinance with a Mortgage Broker?
Instead of going to one bank, a broker compares multiple lenders servicing NSW borrowers on your behalf.
At Help Street, we:
• Compare a wide range of lenders
• Find the best rate and structure for your situation
• Handle the entire process
• Save you time and stress
And our service is free.
Ready to See if You Could Save?
A quick refinance review could uncover savings you didn’t know were possible.
There’s no obligation, no pressure, and no cost to find out.