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Refinance

A better home loan could be just a refinance away

Your home loan should work for you, not against you. Whether you’re looking to lower your repayments, unlock equity, or consolidate debt, refinancing can help you take control of your finances and put your money to better use.

At Fortify Loans, we take the time to understand your goals and find the best refinancing solution to suit your needs.
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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.

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.

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.

How it works

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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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.

CONNECT WITH US

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.