Save by switching to a loan with lower rates or better conditions.

I want to refinance my
home loan.

Take advantage of a better housing market and save money for your future.

I want to refinance my
investment loan.

Continue growing your investments and portfolio while lowering your mortgage rates.

I’m refinancing through

Learn how you can refinance to a more affordable SMSF loan.

Refinance Your Mortgage to Reduce Repayments

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.

Why Australians Invest With Us

More than 36,000 Australian businesses and individuals choose us as their mortgage brokers.

Ethical Lending

ALIC is genuinely different – an award-winning broker with no hidden financial incentives and no questionable referral partners.

Diverse Lending Panel

With more than 30 bank and non-bank partners on our lending panel, finding the right mortgage is simple.

Strategic Approach

Your loan should be one that supports your ideal future – whether that’s a multi-property portfolio or a stress-free retirement.

Connect With Experts ​

Access our network of leading property professionals to get the advice you need – no referral commissions involved.

Five-Star Google Reviews
10 +
Industry Awards
2 +
Aussie clients supported
10 +
loan approval rate
10 %

Get a Better Rate on Your Investment Property

The journey to become a successful investor isn’t always smooth. Interest rates, the market and even your circumstances can all change in a blink of an eye.  

Partnering with the right team of lending strategists can not only save you money long term, but also boost the value of your portfolio.  

Tap into your equity to buy other investment properties or add or remove loan features that better suit your goals. We here to help you make the best decision for your future.   

Find out how our experienced team can find a better deal for your investment property.  

More Than Just Refinancing

Connect With Advocates

The average home loan can last for 25 to 30 years. A lot can happen in that time – families grow, jobs change, and life can take unexpected turns. No one can guarantee that their circumstances - and income - will stay the same.

Refinancing your mortgage to a loan with lower interest rates can help you save money, putting extra funds into what’s important.

Develop a Strategy

Buying that investment property, building your portfolio or renovating your dream home is more possible than you realise.

By refinancing your home loan, you can tap into the equity you have in your property - freeing up funds that will help you reach your life’s goals.

Consolidate Your Debts

The average Australian is in more than $20,000 worth of personal debt – that’s over $70 billion nationwide.

Refinancing your home loan allows you to potentially reduce the overall interest you’re paying on several debts, giving you much needed breathing space.

Leading Property Investors Trust ALIC

Our clients share their experiences of transformation and growth.

Our journey with ALIC started 5 to 6 years ago when we purchased land and subsequently built our first home. Since then, we have continued our association with them, and it has proven to be a decision we do not regret. Their team not only provided financial guidance but also helped us build our wealth through a well-thought-out investment portfolio.

Trusting someone with your finances is a crucial decision, and ALIC has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it's about building a lasting partnership.
Sascha Hossain
February 2024
There are lenders, banks and brokers, and then there is ALIC. Kevin Agent and his team are amazing in finding solutions for your business or personal needs. They helped me establish my business, sorted out my home loan and savings and helped me buy my new home without any stress or worry and financially my family has never been better.

Look no further than the Australian Lending & Investments Centre. No one better and highly recommended.
James Tamanika
January 2024
Natasha has been an exceptional mortgage broker for us for the last decade. We have come to rely on her expertise implicitly and trust her completely. She has impressive efficiency. She always gives personalised guidance that suits our circumstances (which are complex), and she is honest when she thinks something is not a good idea. Lastly, she is so friendly and such a great communicator that every interaction is easy and enjoyable.

We've recommended Tash to all of our friends who have sought mortgages and they would all write something similar. Highly recommend.
Rebecca Foskey
January 2024

How to Refinance When You’re Self-Employed

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.

Learn From Leading Australian Brokers

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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Questions About Refinancing

What documents do I need to refinance my home loan?

To refinance your home loan, you’ll generally need the following documents: 

  • your most recent payslips
  • your latest notice of assessment
  • a letter from your employer confirming your salary
  • several forms of ID, like your passport or driver’s license
  • financial and credit documents, such as credit card and bank account statements and proof of your current mortgage.

If you’re self-employed, you may be asked to show: 

  • the last two years of personal tax returns and notices of assessments
  • financial statements, such as a P&L statement
  • proof of savings and assets.

How long does it take to refinance my home loan?

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. 

Will my offset account affect my equity?

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.  

How much equity do I need to refinance my home loan?

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.)

Does refinancing affect my credit rating?

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.

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