Refinancing your home

Unlock the potential of your property and lower your repayments with expert refinancing options tailored just for you.
Find out more
01

Lower your rate

We help you find a more competitive interest rate that could save you thousands over the life of your loan.
02

Access equity

Tap into your home’s value to fund renovations, investments, or other major expenses.
03

Debt consolidation

Roll multiple debts into one loan with a single, potentially lower repayment.
04

Better loan features

Switch to a loan with benefits like offset accounts or flexible repayments.

Make your home loan work harder for you

Refinancing your home loan means switching your existing mortgage to a new one — either with your current lender or a different one — to secure a better rate, reduce repayments, or access features that suit your lifestyle.

At Luna Mortgage Brokers, we compare options from over 40 lenders to see if you could save money, unlock equity for renovations or investments, consolidate debts into one manageable repayment, or improve your loan structure for the future.

We’ll look beyond the interest rate to assess the full picture, including fees, features, and flexibility, so you can make an informed choice. Our role is to handle the legwork and paperwork, keeping the process simple and stress-free.

Common questions about refinancing

Refinancing your home loan can help you secure a better rate, reduce repayments, or access your equity but knowing where to start can be tricky. Below, we’ve answered the most common questions about refinancing so you can understand the process, costs, and benefits before you make a move.

Savings depend on your current rate, the new rate available, and any fees involved. We’ll compare the numbers so you know the potential benefit before making a decision.

Yes, there may be discharge fees, application fees, and government charges. We’ll calculate these upfront so you can weigh them against the potential savings.

The process usually takes 2–6 weeks, depending on the lender and your circumstances. We’ll keep you updated at every stage.

You can, but break costs may apply. We’ll help you determine if refinancing now or waiting until your fixed term ends is the better option.
Let's find you a great rate

Let’s talk about your goals

Call us

Our expert insights will help guide you through the process and get you to your goal sooner.
0438 431 071

Book an appointment

Experience the difference, we take out the leg work and we will fit into your schedule.
Book a chat

Start your application

We get it, you’re in the moment. Apply online and we will send you three great rate options tailored to your needs.
Get started
We simplify the loan journey and make finance really happen for our customers.

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Credit Representative Number: 490498

Contact

LET'S TALK: 0438 431 071 Send us a message
Old Beach, Tasmania, 7107 Australia

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MICHELLE GALLIMORE trading as Luna Mortgage Broker, Tassie Mortgage Broker & Whitsunday Mortgage Broker (ABN 17911518049) with Credit Representative Number 490498 is an authorised Credit Representatives of Australian Credit Licence Number 384324.

IMPORTANT NOTE: All content is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.