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Tasmanian refinancing specialists

Refinance Your Home Loan With Confidence

Refinancing can improve your financial position but knowing when it’s right isn’t always clear. Fortify Loans helps you understand your options and decide whether refinancing makes sense for your situation. Get in touch with our Tasmanian-based team today for a free consultation.
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Why Tasmanian Homeowners Choose To Refinance

If you're carrying multiple loan repayments or want to get the most out of your loan, streamlining your finances and can help you save money.
We work with you, analysing your existing loans, goals and personal circumstance, to help negotiate better terms with the most suitable lender whilst effectively consolidating debts. 

To Reduce Monthly Payments

A well-structured refinance can lower your interest rate, extend your loan term, or find a more suitable product, reducing your monthly repayments and freeing up cash for other expenses.

 

  • Secure a lower interest rate and reduce your ongoing costs.
  • Adjust your loan term to better match your financial situation.
  • Switch to a loan structure that aligns with your future plans.

To Cash Out Equity

If your property has increased in value, refinancing can give you access to the equity in your home, allowing you to fund renovations, invest, or make significant purchases without taking out additional high-interest loans.

  • Finance home improvements or renovations.
  • Use equity as a deposit for an investment property.
  • Cover large expenses such as a new car, travel, or education.

To Consolidate Debt

Managing multiple debts can be overwhelming, especially with high-interest repayments on credit cards or personal loans. Refinancing allows you to combine these into a single home loan, simplifying repayments and potentially reducing your overall interest.

  • Replace multiple debts with a single, lower-interest loan.
  • Reduce your monthly financial commitments.
  • Free up cash flow for savings and future investments.

Is It the Right Time to Refinance?

Refinancing can be a smart financial move if:

  • Your current interest rate is higher than what’s available.
  • You want to switch between fixed and variable rates.
  • You need access to additional funds for major expenses.
  • You’re looking to consolidate high-interest debt.
  • You want to pay off your home loan faster with better terms.
Speak with a refinance specialist
READY TO REFINANCE?

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If you’re considering refinancing, we’ll guide you through the process and help you secure the best possible outcome.
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refinancing your home loan 

Refinancing Is About More Than Rates, It's Flexibility And Control.

Homeowners refinance to lower interest rates, consolidate debt, access equity, or change loan features. Understanding why you’re refinancing is the first step to choosing the right solution.

Exploring your refinance options

Our Hobart-based team can help you understand your options and decide whether refinancing makes sense for your situation.
Discuss your options

How Refinancing Works

Refinancing usually involves reviewing your current loan, comparing options, applying, and settling your new loan. Fortify Loans manages the process end-to-end to keep things simple and stress-free.

Review Your Current Loan

We assess your existing mortgage and compare it with current market options to identify potential savings.

Compare Lenders & Loan Options

With access to a broad range of lenders, we find the best refinancing solution to match your financial needs.

Submit Your Application

Once the right loan is selected, we handle the application process, ensuring a smooth and stress-free transition.

Settlement & Savings

Your new loan is finalised, and you start benefiting from better terms, lower repayments, or increased financial flexibility.
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FAQs about Refinancing your loan

Common Refinancing Questions

LVR, LMI, comparison rate, interest only, conveyancing and more! When we were researching our home loan options, we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. We’ve created a whole page for people like us that like their answers without a side of gobbledygook.

When you want a lower rate, better features, to consolidate debt, or access equity. Timing varies reach out to our refinance specialist to explore your options.

By switching to a more competitive rate and/or a loan structure that better suits your budget. For further details chat with our refinance specialist to see if it’s right for you.

Yes, if you have usable equity, you may be able to borrow against it.

Yes, refinancing can combine debts into one repayment, often at a lower rate.

Costs vary and may include discharge, valuation, application, and registration fees. Our refinance specialist will walk you through these clearly throughout the process.

Typically a few weeks, depending on lender turnaround times and documents.

Usually ID, income documents, bank statements, and your current loan details.

Often yes, options depend on your current income, expenses, and goals.
LET’S TALK

Let’s Find The Right Refinance Solution For You

If you’re considering refinancing, we’ll guide you through the process and help you secure the best possible outcome.
Speak with a refinance specialist today

IMPORTANT INFO

Fortify Loans Pty Ltd (ABN 51679738786 and Credit Representative Number 546469) is authorised under Australian Credit Licence 384324.
*Individual lenders may charge fees to the customer.

This website provides general information only. Our content does not constitute legal, tax or financial advice and has been prepared without taking into account your objectives, financial situation or needs. You should always consider whether any loan or financial decision is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

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03 6184 7127
info@fortifyloans.com.au

ACKNOWLEDGEMENT OF COUNTRY

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.