Make your existing home loan work harder
A refinance can be about more than a lower rate. We help you review loan structure, repayments, features, debt consolidation goals and future plans before comparing alternatives.
Clear guidance, tailored to your circumstances
Loan Review
Review your current rate, repayments, features and remaining term.
Potential Savings
Compare the overall cost of alternatives rather than focusing only on headline rates.
Debt Structure
Consider whether consolidating eligible debts or restructuring facilities supports your goals.
Equity & Future Plans
Understand how available equity may support investment or other property plans.
Application Management
We coordinate documentation, valuation and lender requirements.
Ongoing Review
Your lending needs can change, so periodic reviews can be valuable.
What clients often ask
When should I consider refinancing?
A review may be useful when rates, loan features, your financial position or property plans change.
Will refinancing cost money?
Refinancing can involve discharge, application, valuation or settlement costs. These should be considered against potential benefits.
Can I consolidate debt when refinancing?
Depending on lender policy and your circumstances, some debts may be consolidated as part of a refinance.
Ready to discuss your lending goals?
Talk to Harness Lending about your objectives and the options that may suit your circumstances.