Home Loan Refinance
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Refinance your home loan with Fundsie – your trusted Gold Coast mortgage broker specialising in home loan refinance. Whether you’re chasing lower interest rates, better loan features, reduced monthly repayments, debt consolidation, or accessing equity for renovations/investments, our expert team makes the switch simple, fast, and tailored to your needs.
With over 12 years of experience and direct access to 60+ leading Australian lenders, we compare options across the market to secure the best possible deal for you – no hidden fees, no jargon, just transparent advice that puts your financial goals first. Many Gold Coast homeowners are saving thousands each year by refinancing right now, especially as rates fluctuate.
Ready to see how much you could save? Get your free, no-obligation home loan refinance assessment today. Call us or book a quick chat – we’ll handle the heavy lifting so you can enjoy the benefits sooner.
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Why Refinance Your Home Loan?
In today’s market, refinancing your home loan can deliver real financial wins for Gold Coast homeowners and investors alike. With interest rates fluctuating and competitive deals available from 60+ lenders, many people are switching to save thousands in interest, lower monthly repayments, or unlock better features that match their current lifestyle and goals.
Here are the top reasons Aussies are refinancing right now:
- Secure a lower interest rate — If your current rate is higher than what’s on offer (with some variable rates dipping toward 5.3–5.6% p.a. in early 2026), refinancing could cut your repayments significantly and reduce the total interest paid over the loan term.
- Reduce monthly repayments — A better rate or longer term (without extending too far) frees up cash flow for everyday life, savings, or investments.
- Access home equity — Tap into your property’s increased value for renovations, debt consolidation, education costs, or even a deposit on an investment property—without needing a new loan.
- Switch to better loan features — Move to a loan with an offset account, redraw facility, unlimited extra repayments, or cashback offers that your current lender doesn’t provide.
- Consolidate debts — Combine high-interest credit cards or personal loans into your lower-rate home loan to simplify payments and save on interest.
- Avoid the ‘loyalty tax’ — Many lenders charge existing customers higher rates than new ones—refinancing lets you escape that and get a fresh, competitive deal.
- Adapt to life changes — Whether you’re self-employed, an investor, or coming off a fixed rate, refinancing ensures your loan structure fits your situation perfectly.
As your local Gold Coast mortgage broker, Fundsie compares the market for you at no cost – handling paperwork, negotiations, and lender approvals so you get the best outcome with minimal hassle. Refinancing often pays for itself quickly through savings, but we’ll review exit fees, break costs, and setup expenses upfront to ensure it makes sense for you.
Ready to explore if refinancing could save you money? Get your free, personalised home loan refinance review today.
Is Now the Right Time for a Home Loan Refinance?
As we head into 2026, many Gold Coast homeowners are asking the same question: with the RBA cash rate holding steady at 3.60% and variable home loan rates sitting in the mid-5% range (with competitive deals dipping toward 4.99–5.39% p.a. from select lenders), is refinancing worth it right now?
The short answer: It often is – if your current rate is higher than what’s available, or your needs have changed. Rates aren’t dropping further in the immediate term (some big banks like CBA and NAB are even forecasting a possible 0.25% hike as early as February), so waiting for a big cut could mean missing out on savings. Many borrowers are still paying the “loyalty tax” on outdated variable rates above 6%, while better deals exist today – potentially saving thousands in interest and lowering monthly repayments.
Key factors to consider in January 2026:
- Your current rate vs. market offers – If you’re on a rate above 5.8-6%, switching could reduce repayments significantly (e.g., on a $600k loan, even a 0.5% drop saves ~$150–200/month).
- Break costs & fees – Exit fees from fixed loans or discharge costs might apply, but we calculate these upfront to show clear net savings.
- Potential rate movements – No guaranteed cuts soon, and hike risks loom-locking in a competitive variable or short-term fixed rate now protects against rises.
- Your situation – Rising equity on the Gold Coast, life changes (e.g., debt consolidation, renovations), or upcoming fixed-rate expiry make refinancing timely.
- Break-even point – Most switches pay for themselves in 1-3 years through lower interest.
As your local Gold Coast mortgage broker, Fundsie runs a free, no-obligation review using access to 60+ lenders. We’ll compare real options, factor in all costs, and tell you honestly if now is the right time – or if waiting makes more sense. Don’t guess – get clarity today.
Ready to check if a Home Loan refinance could save you money in 2026? Contact us for your personalised home loan refinance assessment – no pressure, just straightforward advice. Check out this Mortgage Switching Calculator to see if you will save money first.
What’s the Process?
Home Loan Refinance Check
We’ll look at your current loan and compare it to what’s available across our panel of 60+ lenders.
Tailored Recommendations
If a home loan refinance makes sense, we’ll outline your best options and what you could save (or gain access to).
We Handle the Switch
Once you’re happy to proceed with your hhome loan refinance we’ll take care of the application, bank communication, and loan rollover-making it as smooth as possible.
Ongoing Support
Even after we have completed your home loan refinance, we stay in your corner to make sure your loan continues to support your goals.
Let Fundsie Look at your Home Loan Refinance Options
Unbiased advice
We don’t just look at interest rates - we consider fees, loan features, and your long-term goals.
Real Results
Whether you save $50 a month or $500, our focus is on helping you make smart, sustainable choices.
Simplified process
No back-and-forth with banks or confusing paperwork. We’ll handle it.
More than just a loan
We help you make refinancing part of a bigger financial picture.
Let’s Review Your Home Loan
Still on the same home loan from 3+ years ago? You’re probably due for a check-in. Reach out and we’ll give you a free, no-obligation review.
Or contact us to book a time that suits you. Let’s make sure your mortgage is still working hard for you.
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
