First home buyers
Pre-approval, government schemes, deposit options and a plan that gets you to the keys with no surprises.
First home buyers Refinancing
Is your home loan still working for you?
Loyalty rarely pays with lenders. I'll compare your loan with the market, show you the full cost of switching, not just the headline rate, and keep checking it every six months after.
How a refinance works with me
Clear steps, one person, no surprises.
- Your current loan, reviewedRate, fees, features and any fixed-rate break costs.
- The market, comparedOptions across 40+ lenders, including asking your current lender to sharpen its rate.
- The real savingSwitching costs weighed against the saving, with a clear break-even point.
- Switch and reviewI manage the switch, then review your rate every year.
What we'll cover.
The details that make the difference, checked before you commit.
- A lower rateFrom a new lender or your existing one.
- Better featuresOffset accounts, redraw and split options.
- Debt consolidationWhere it genuinely helps, with the long-term cost shown.
- Equity releaseFor renovations, investment or other goals.
40+ lenders. One conversation.
Major banks, regional banks and specialist lenders. I compare them for you, so you don't have to.
Client reviews
We had a great experience of refinance our home loan with Circle Finance… This was our second time dealing with them. I would give Circle Finance more than Five Stars.
She is efficient, attentive to details, follows through closely with impeccable coordination… Jenny has also proactively negotiated for lower rates when the interest rate was falling back then without me asking.
She made my first home purchase so easy and stress-free! … She will definitely be my first and last broker manager for all the future properties!
Questions I'm often asked.
What does it cost to refinance?
Typically discharge fees from your current lender, any new loan fees and government registration fees. Fixed loans may have break costs. Lenders mortgage insurance can apply above 80% of the property value. Try the switching calculator.
Should I just ask my lender for a better rate?
Sometimes that's the best outcome. I can approach your lender with market evidence so you get the benefit without the paperwork of switching.
How often should I review my loan?
At least once a year, and whenever a fixed rate is ending. My clients get a review every six months without needing to ask.
Worth a read.
Refinancing your home loan: reasons, costs and how to compare
Why people refinance, the full cost of switching home loans, what to watch for with cashback offers and how a broker compares your options.
Offset accounts: how they reduce your home loan interest
How a mortgage offset account works, an illustrative example of the interest it can save, how it compares with redraw and the fees to weigh up.
Split loans: combining a fixed and variable home loan
How a split home loan works, the pros and cons of fixed and variable portions, and how extra repayments and offset accounts fit in.
Other home loan help.
Your next home
Upgrading, downsizing or buying before you sell. Bridging and structure options explained before you commit.
Buying your next homeProperty investment
Loan structures that keep investment and personal debt clean, and set you up for the next purchase.
Investment loansConstruction & renovation
Progress-payment loans for building or major renovations, managed stage by stage with your builder.
Construction loansTell me what you're planning. I'll be in touch soon.
Send me an enquiry and I'll get back to you as soon as possible.
Start your enquiry Or call me directly0421 066 065Home loans are subject to the lender's credit assessment and eligibility criteria. Government scheme eligibility criteria apply.