Save by switching to a loan with lower rates or better conditions.
Take advantage of a better housing market and save money for your future.
Continue growing your investments and portfolio while lowering your mortgage rates.
Learn how you can refinance to a more affordable SMSF loan.
A higher income, lower interest rates, increased equity – they’re all good reasons to think about switching to a new mortgage.
Refinancing can help you reduce your repayments, access better features, and consolidate higher-interest debts into your home loan.
You can even access your usable equity, leveraging it as a deposit on another property.
Book a meeting with us to find out how refinancing can help grow your property portfolio.
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Partnering with the right team of lending strategists can not only save you money long term, but also boost the value of your portfolio.
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Refinancing your home loan when you’re self-employed has its challenges.
You need to accrue a deposit and prove you can service the loan – which can be hard without employee documentation.
But the right lending strategy makes it easier.
Once we’ve analysed your borrowing capacity, we’ll work with you to source lenders that understand being your own boss doesn’t impact your ability to make repayments.
Schedule a free consultation with one of our lending strategists to find out more about how we can help.
With articles written by award-winning brokers like Mark Davis, ALIC’s Insights Hub is one of the best places to learn about building wealth through property.
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The start of a new financial year is one of the most valuable moments for property investors in Australia. It brings a natural reset point, a chance to review what is working and identify the property investment strategies for 2026 that can help you build long-term wealth.
To refinance your home loan, you’ll generally need the following documents:
If you’re self-employed, you may be asked to show:
The usual process involves applying for a new home loan and getting your new lender to contact your current one to transfer your mortgage. So, depending on your lender, refinancing your home loan can take anywhere from two to four weeks.
Your offset account helps lower the interest on your home loan, but it’s not considered equity until you use it to pay off your loan. So any money you have in your offset account doesn’t count towards the total equity of your home.
However, if you use those funds to make a home loan payment, you’ll increase your equity by paying down your loan balance – but you will lose that money.
To avoid paying LMI when you refinance, you’ll generally need at least 20% equity in your home. For example, if your home was worth $1 million, you’d need at least $200,000 of equity.
If you have 5–19% equity in your home, you’ll need to assess whether the benefits of refinancing outweigh its costs. For example, if you had $90,000 in equity on a home worth $600,000, your LMI premium might cost more than $6,000.
You also need to consider that any LMI you paid on your first home loan may not be transferred to your new one. (Some lenders may offer a rebate if you’ve had your home loan for less than two years.)
Yes, a refinancing application temporarily affects your credit score. Each application counts as an application for a new loan, which triggers a hard enquiry from the relevant lender.
Keep in mind that the benefits of refinancing normally outweigh the small, temporary dip in your credit score. Using a mortgage broker will also help you find a suitable lender as quickly as possible, which reduces the number of refinancing applications you’ll need to make.
