Refinancing & Rate Renegotiation
Thousands of Australians overpay their mortgage every month due to bank loyalty taxes. Our refinancing specialists review your current loan, unlock lower interest rates, release equity, and negotiate cashback rebates.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
Substantial Interest Rate Reductions
Shave 0.50% to 1.50%+ off your current rate, saving hundreds or thousands every month.
Cashback Rebate Sourcing
Access competitive refinance cashback promotions from top lenders to offset any discharge fees.
Debt Consolidation
Roll expensive car loans, credit cards, or personal debt into a single low-rate monthly repayment.
End-to-End Paperwork Management
We handle the entire discharge and settlement process with your old lender with zero hassle to you.
Calculate Your Refinancing Numbers
Test scenarios using real-time Australian lending criteria.
The Refinancing Approval Process
Complimentary Loan Health Check
We analyze your latest loan statement against the lowest rates on our 40+ panel.
Current Lender Negotiation
We first attempt to re-price your existing lender before initiating a full switch.
Refinance Application
If a switch yields superior net savings, we manage the application and valuation.
Discharge & Settlement
Your old loan is paid out and your new, lower repayments take effect seamlessly.
Refinancing Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.
What are the costs involved in refinancing my mortgage?
Refinancing typically incurs minor administrative costs, such as a discharge fee from your current lender ($150–$350), a government mortgage deregistration fee ($150–$200), and a new lender settlement/application fee ($0–$400). However, many top lenders offer refinance cashback offers ranging from $2,000 to $4,000 to completely offset these costs, leaving you with net profit on day one alongside a lower monthly repayment.
How often should I review or refinance my mortgage?
We recommend reviewing your home loan every 12 months. At Gravity Financial, our automated loan review team continuously checks our clients' rates against live market specials. If your lender has quietly increased margins over time, we request an immediate rate reduction from your current bank first, and only initiate a full refinance if substantial ongoing savings are proven.