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Refinancing

Refinance Your Home Loan in Sydney

If you have not reviewed your home loan in the past two years, there is a good chance you are paying too much. We compare 25+ lenders to find you a better deal, often without you needing to do the heavy lifting.

Get a Free Refinance Assessment
Call 0414 406 887
Refinancing

Is Your Home Loan Still Working for You?

The home loan market moves constantly and the rate you locked in two or three years ago may no longer be competitive. Refinancing is one of the simplest ways to reduce your repayments, access equity or switch to a loan structure that better suits where you are now.
At Bang On Investments, we make refinancing straightforward. We compare options from over 25 lenders including major banks, non-bank lenders and specialist providers, and handle the process from assessment to settlement. We work with homeowners and investors across Sydney including Chatswood, Strathfield, North Sydney, Concord, Willoughby, Pymble, Killara, Bowral and the Southern Highlands.
With Sydney median house prices remaining well above $1M in most suburbs, even a small rate reduction can represent a significant annual saving. On a $900,000 loan, a 0.5% rate reduction saves approximately $4,500 per year. We run the numbers for your specific situation at no cost.
Call 0414 406 887
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Home Loan Refinancing

“Bang and the team were so fantastic to work with. Their positivity, energy and professionalism made for a fantastic experience.”

Xanthe L

Your Options

Reasons Our Clients Refinance

To Get a Lower Interest Rate
Even a 0.5% reduction in your interest rate can save tens of thousands of dollars over the life of your loan. On a $900,000 Sydney home loan that is around $4,500 per year back in your pocket. We compare the current market against your existing rate and show you exactly what a switch could save.
Find out if you are overpaying. Call 0414 406 887 ➜
To Access Equity
If your property has increased in value, refinancing can unlock equity for renovations, an investment property deposit, a vehicle purchase or other purposes. We will help you understand how much equity you can access and structure it correctly.
Want to know how much equity you can access? Call 0414 406 887 ➜
To Consolidate Debt
Rolling higher-interest debts such as credit cards and personal loans into your home loan can reduce your overall monthly repayments. We will help you assess whether debt consolidation makes sense for your situation and structure it appropriately.
Talk to us about debt consolidation. Call 0414 406 887 ➜
To Change Loan Structure
Moving from a fixed rate to variable, splitting your loan, switching from interest-only to principal and interest, or adding an offset account. Refinancing gives you the opportunity to reset your loan structure to better suit your current needs.
Want to restructure your loan? Get in Touch ➜
Call 0414 406 887
Get in Touch

“As a first home buyer, Bang helped make the entire experience feel less painful. Their knowledge of the process was second to none.”

Josh R

The Process

How Our Refinancing Process Works

We arrange vehicle finance for a wide range of personal and business vehicles, including:

1

Review
We assess your current loan, rate and remaining term.

2

Compare
We search 25+ lenders for a better deal.

3

Recommend
We present your options clearly with no jargon.

4

Switch
We handle the paperwork and manage the process to settlement.
Call 0414 406 887
Got Questions?

Refinancing FAQs

The right time to refinance is when your current rate is above the market average, when your fixed rate period is ending, when your property value has increased significantly, or when your financial situation has improved since you took out the loan. If you have not reviewed your home loan in the past one to two years, it is worth a free assessment.

It depends on your current rate, loan balance and remaining term. On a $900,000 loan, close to Sydney’s median for houses, a 0.5% rate reduction saves approximately $4,500 per year. We will run the numbers for your specific situation at no cost.

There can be, including discharge fees from your current lender and application fees with the new lender. We factor these into our assessment so you know the true net benefit before making any decisions.

Typically two to four weeks from application to settlement, depending on the lender. We manage the process and keep you updated throughout so there are no surprises.

Yes. We work with lenders who understand self-employed income and can consider BAS statements and alternative documentation. We have helped many self-employed clients across Sydney refinance to a better deal.

Yes. Refinancing investment loans is just as common as refinancing owner-occupied home loans. We compare investment loan rates across our lender panel and help you switch to a better deal, often improving your cash flow and borrowing capacity for your next purchase.

Call 0414 406 887
Get in Touch

Find Out What You Could Save Today

Get in touch for a free, no-obligation refinancing assessment. We will compare your current loan against the market and give you a clear picture of your options with no cost and no obligation.

Call us on 0414 406 887
Get in Touch
Call 0414 406 887
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