Refinance My Existing Home Loan
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Kangaroo Finance & Mortgage > Refinance My Existing Home Loan
💬 Let’s Make Your Mortgage Work for You
If your current home loan no longer suits your needs, we’ll help you refinance with confidence. Book a no-obligation mortgage review today.
Reduce Your Rate, Repay Smarter, or Access Equity
Refinancing your home loan is one of the smartest financial moves you can make — whether your goal is to secure a better interest rate, unlock equity, consolidate debt, or switch to a more suitable loan structure. At Kangaroo Finance & Mortgage, we’ll guide you through the entire process and ensure your refinance aligns with your long-term financial goals. With access to over 30 lenders and up-to-date market insights, we make sure you’re getting the most out of your mortgage — not paying more than you should.
✅ Why Refinance with Kangaroo Finance?
- Access better rates & reduce your repayments
- Unlock your home equity for renovation, investment or personal use
- Switch to a more flexible loan or fixed rate
- Support with government grants (FHOG, stamp duty concessions, etc.)
- Consolidate high-interest debts into one manageable repayment
- Ongoing support with reviews and future strategies
👤 Who Should Consider Refinancing?
- Your fixed-rate term is ending or you're on a high variable rate
- You’ve had your loan for more than 2–3 years
- You want to use equity for investment or renovations
- You want more features like an offset account or redraw facility
- You need to consolidate credit cards, personal loans, or car finance
📋 Our Refinance Process (Simplified)
- Loan Health Check – We review your current home loan and determine if you’re getting the best deal.
- Compare & Recommend – We search for competitive loan products that match your financial goals.
- Pre-Approval – We obtain conditional approval before switching if needed.
- Application & Settlement – We liaise with your new and existing lenders to make the process smooth.
- Ongoing Support – We’ll schedule periodic reviews to keep your loan competitive.
💬 Frequently Asked Refinance Questions
That depends on your current rate, loan term and balance. Even a 0.5% drop could save you thousands over time.
Some lenders charge exit or application fees. We always calculate your break-even point to ensure refinancing is worth it.
Yes, you can release equity for renovations, investments, or major life expenses. We’ll help you calculate available equity.
Not significantly — and our team ensures the application is presented professionally to maximise approval chances.
Comprehensive financial solutions tailored to your needs
🏡 Buy a First Home
"Buying your first home? We’ll guide you from pre-approval to settlement with tailored loan options, competitive rates, and personal support every step of the way. Your homeownership journey starts here."
🔁 Refinance My Existing Home Loan
"Refinancing can help you reduce repayments, switch lenders, or unlock equity. We make the process simple, fast, and stress-free with expert advice and access to over 30 lenders."
🏘️ Buy Multiple Investment Properties
"Take your investment journey further with smart, scalable finance. We help you unlock equity, structure your loans for growth, and build wealth through strategic property lending."
💰 Unlock My Equity
"Need funds for renovations, investments or major life goals? Unlock the equity in your home with flexible finance solutions tailored to your needs, all guided by our expert team."
🏢 Commercial Loans
"Grow your business with tailored commercial finance. Whether it’s property, equipment or expansion, we’ll help you find the right loan structure to power your next move."
🏦 SMSF Home Loans
"Invest in property through your super with confidence. Our SMSF home loan solutions ensure full compliance, competitive terms, and expert support from setup to settlement."
Customer experiences with us
"I refinanced with Kangaroo Finance and saved over $300 a month. The team handled everything efficiently and clearly explained my options. They were professional, responsive, and genuinely cared about getting me the best outcome. I wish I’d done this sooner!"
Liam T
IT Consultant
"We used Kangaroo Finance to access equity for home renovations. Sofia explained the process clearly and got us a great deal. The entire experience was stress-free and fast. We’re now renovating our dream kitchen — couldn’t have done it without their support!"
Melissa H
Marketing Manager
"Thanks to Kangaroo Finance, I’ve now added my third investment property. Their knowledge of complex loan structuring and equity access is outstanding. They helped me grow my portfolio without overextending. A perfect broker for anyone serious about property investing."
Rohan K.
Property Investor
"Kangaroo Finance made buying our first home feel easy. Sofia walked us through everything, answered all our questions, and got us an amazing loan rate. We were nervous at first, but they made us feel completely confident. Highly recommend them to any first-time buyers!"
Samantha J
Registered Nurse
"Buying property through our SMSF seemed complex, but the team at Kangaroo Finance made it straightforward. They liaised with our accountant and helped us stay compliant. Great service and expert advice. Highly recommended for SMSF property purchases!"
George N
Business Owner
Building your future with trust-driven, tailored mortgage solutions.
