Refinance with Mortgage House — Save Smarter, Restructure Better, Reach Goals Faster
Mortgage House helps Australian borrowers lower costs, unlock features, and put cash flow back in their pocket — across home, investment, business, commercial and working-capital loans. We make refinancing clear, fast and compliant, with a lending specialist guiding every step.
Refinancing Could Help You Save On Your Home Loan
Take control of your home loan by refinancing to one of our flexible, low-rate products. Our Refinancing Specialists are here to help you find the best home loan solution to suit your needs now and in the long term. Let’s get you the best rate possible.
Why refinance with Mortgage House?
Sharper rates and fair pricing for new and existing customers, not just “teaser” offers.
Access to useful features (offset, redraw, extra repayments, split loans) that can reduce interest and increase flexibility.
Structure your loan to suit life: consolidate debts, shorten the term, or stabilise payments.
Guidance You Can Trust: Mortgage House is an established Australian non-bank lender with a full suite of lending options and support.
Benefits of Refinancing
Refinance a Home Loan
What to weigh up
Refinancing can include discharge, application and valuation fees, and — for fixed loans — potential break costs. Always compare savings vs. costs before switching.
Talk to a lending specialist — we’ll run the numbers with you and outline the total cost/benefit, end-to-end.
Lower your rate and reduce total interest paid over the life of the loan.
Switch Features: offset account and redraw can speed up payoff while keeping access to funds.
Consolidate higher-rate debts into your mortgage for simpler, potentially cheaper monthly outgoings (with care for total cost).
Optimise Term: shorten to pay off faster, or extend to improve monthly cash flow (noting lifetime interest trade-offs).
Refinance an Investment Loan
What to weigh up
Refinancing may reset loan terms and affect total interest. Consider deductibility questions with your tax adviser and compare features, fees and flexibility before switching.
Sharper investor rates and policy fit as equity grows and LVR improves.
Interest-only vs. principal & interest structuring for cash-flow planning and portfolio strategy.
Offset and multiple splits to segment expenses and strategy by property.
Refinance a Business Loan
What to weigh up
Compare establishment and discharge fees, any early-repayment costs on current facilities, and the total cost over the new term.
Lower repayments by securing a sharper rate or re-setting term for cash-flow stability.
Restructure security (e.g., property-backed vs. unsecured) to balance flexibility and cost.
Access working capital for inventory, marketing, payroll cycles, or expansion — without resorting to high-rate short-term credit.
Refinance a Commercial Loan
What to weigh up
Commercial loans vary by asset class and tenant quality; we’ll benchmark policies, LVRs and pricing to fit your strategy.
Rate and policy optimisation across lenders as yields, valuations and tenant profiles change. (Australian Bureau of Statistics)
Term and covenant reset to match current rental income patterns and lease horizons.
Equity release for capex, refurbishments, or acquisitions.
Working Capital Refinancing
What to weigh up
Ensure total cost (rate + fees) beats your current solution and doesn’t introduce restrictive covenants for day-to-day operations.
Replace costly revolving credit with a structured facility at a lower effective cost.
Smooth seasonal cash flow and fund growth with headroom aligned to receivables cycles.
How Mortgage House Makes Refinancing Easier
We’re here to help Australian borrowers. Whether you’re shaving interest, adding features, or freeing up cash flow, Mortgage House brings experience, transparency and consistent support — so you can make confident decisions and move forward.
Specialist Review
We compare your current loan against sharper rates and features, and identify savings after fees.
Policy Fit
We recommend the structure (offset, split, fixed/variable) that suits your goals.
Fast Processing
Streamlined assessment and documentation with proactive communication.
Fair Treatment & support
Clear options, hardship pathways and responsible lending practices.
Use independent calculators to estimate savings and repayment impacts, then we’ll validate with a full credit assessment.
It's as easy as 1,2,3:
Apply Online Now
Don’t worry, one of our dedicated Refinancing Specialists will help you every step of the way.
Make the switch
Refinance to a lower rate home loan quickly and easily with Mortgage House.
Save, WIN and Rejoice
Refinance today and start saving on your home loan.
Now is the time for you to take charge of your finances and secure the best possible refinancing solution.
Discover the flexible features of our loan products, which offer money-saving and stress-saving benefits to every type of borrower.
Unlock a world of lifestyle benefits when you refinance to a super-low rate loan product. Our award-winning home loans are designed with you in mind.
Executive Saver
Enjoy the peace of mind knowing you are not overpaying each month. Refinance to a Executive Saver loan today.
Savvy Saver
Mortgage House will help get your existing loan switched without hassle so you can start saving.
Maxx Saver
Refinancing your loan today with Mortgage House will be the smartest decision for your financial future.
We know refinancing can feel like a maze.
Which rate,
which product, which features should you choose?
We’ve made it simple to get all the answers in one place. Our Guide to Refinancing includes the best tips,
checklists and helpful step by step information. Crafted by our lending experts to benefit you.
Download it now and learn how to secure the best loan features and pocket big savings!
Enhance your lifestyle
Reduce monthly repayments
Home loan paid faster
Why switch to Mortgage House?
More Freedom with a Super-Low Rate
Take advantage of some of the most competitive low rates on the market, and still have the cash flow to live the life you want.
Dedicated Lending Specialists
Get all the support you need from your dedicated lending specialist. Ready when you are, they’ll guide you every step of the way to financial success.
Flexibility to Take Time Off
With great features like our Redraw Facility, you could take a repayment holiday if you’re ahead on payments.
Find Your Way With Mortgage House
Why deal with the stress of mountains of paperwork? Complete your online
application in less than 15 minutes anywhere, anytime. Simply enter your
information, upload your documents, and we’ll do all the hard work for you.
Be prepared to answer these pre-qualifying questions to help expedite your application process:
1. Do you know when your fixed rate will expire?
2. Do you know your current rate?
3. What amount are you looking to refinance?
4. What is most important to you?
5. Are you on PAYG or self-employed?
Apply Online Anytime, Anywhere
Trusted Award-Winning Lender
We’re one of Australia’s most awarded lenders and have been helping Aussies achieve homeownership since 1986.
Pay Off Your Loan Faster
All you need to know
Will refinancing reset my loan term?
It can. Extending the term reduces monthly repayments but may increase total interest; shortening the term does the opposite. We’ll model both. (Moneysmart)
What costs apply when I refinance?
Possible discharge, application, valuation and government fees; fixed-rate loans may have break costs. We compare savings vs. costs up-front. (ASIC)
Is debt consolidation always cheaper?
Not always. Lower monthly repayments can mask higher total interest if the term is longer or fees are higher — we’ll show the true cost. (Moneysmart)
Do investors benefit from refinancing?
Often, yes — improved LVRs and competitive investor policies can sharpen pricing and features. Always weigh tax and structuring advice. (The Australian)
Important Note
- General information only, not personal advice. Credit approval criteria apply. Fees and charges may be payable. Consider your objectives, financial situation and needs, and read relevant loan documentation before making decisions. Use independent resources such as ASIC Moneysmart to compare options.
What people are Saying
We have been with Mortgage House for several years and when we decided to refinance the decision to stay with Mortgage House was an easy one. Competitive rates and so amazing to deal with. We worked with Lending Specialist Niran this time who was absolutely fantastic. He kept us updated and informed throughout the process, made the process stress free and was always very polite and happy to explain everything to us!
BIG THANK YOU TO THE TEAM AT MORTGAGE HOUSE AAA++++
We have dealt with Mortgage House for a number of years and found them to be extremely helpful in securing a great refinance deal. We have recently undergone an interest rate review and are very pleased with the outcome. Sara and her team were expeditious in their response and robust in securing a very competitive rate, we also received a response from the voice of Mortgage House, ‘Ken Sayer’ adding his personal touch during the process. The whole process was quick and easy and the constant updates from Sara along the way left us feeling confident of a good outcome. Mortgage House have secured us for another few years.