Reduce Your Rate, Cut Repayments, and Own Your Home Sooner

Refinancing can be be a powerful financial move when done for the right reasons and structured correctly.

Whether you want to lower your monthly payments, consolidate high-interest debt, access equity, or move from a variable to a fixed rate for certainty, we’ll help you weigh the trade-offs and find the option that actually saves you money.

Key Benefits of Refinancing

Refinancing your mortgage can be a great strategic financial move that helps you reduce your interest and mortgage repayments to save money. Here are the key reasons why you should consider refinancing:

01

Lower Interest Rates

Lenders often offer better intro rates to new customers; switching can reduce your ongoing interest cost.

02

Reduced Monthly Repayments

Lower rates or a longer term can free up cash flow.

03

Debt Consolidation

Roll higher-interest debts (credit cards, personal loans) into one lower-cost mortgage.

04

Access to Equity

Cash-out refinances let you fund renovations, education, or other priorities.

05

Stability with Fixed Rates

Switch from a variable to a fixed rate to protect against rising interest rates.

Why Choose Our Brokerage

REAL EXPERIENCE

20+ years working directly with banks and lenders.

PERSONALISED ADVICE

We build recommendations around your goals, not product sales.

WE DO THE LEGWORK

Rate shopping, paperwork, valuations and lender negotiations handled for you.

FOCUS ON OUTCOMES

Our goal is to help you reduce total interest and shorten your loan where it makes sense.

ONGOING SUPPORT

Mortgage coaching and annual check-ins so your strategy keeps working as markets change.

BMHL Refinancing Offers

01

Accelerated Mortgage Program

A structured repayment plan and coaching designed to help you aggressively reduce your balance (aims to cut loan terms significantly).

02

Mortgage Coaching: Review, Refi, Reduce & Repay

Practical guidance, rate reviews and affordability modelling to keep you on track.

03

Rate & product negotiation

We negotiate with lenders to secure the most competitive offers available to you.

Things to Consider Before You Refinance

Fees & upfront costs

Application, valuation, break costs and other fees can erode savings. We model these before you switch.

Loan term trade-offs

Extending term lowers payments but can increase total interest paid. We’ll show both scenarios.

Prepayment penalties / break costs

Check your current loan. Early exit fees can change the outcome.

Credit score impact

New applications may cause a temporary dip. We’ll advise on timing and how to protect your score.

Lender reputation & service

Cheaper rates aren’t everything, service, reliability and product features matter.

Misplaced loyalty

There’s no financial benefit to staying put if a better option exists. We’ll help you compare fairly.

Why Our Customers Love Us

Expert guidance to buy, refinance, or invest with confidence.

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Credit Representative No. 475681 of Australian Credit Licence No. 389328