Refinancing your home

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 us help you, just like we helped them...

    
 
 
       Posted on Google  
   
   Felicia Robson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thanks so much for all your guidance and help
  
 
      Posted on Google  
   
   James Colley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Incredibly helpful guiding us through the tricky process while patiently answering every question big or small along the way. Highly recommended.
  
 
      Posted on Google  
   
   Kim Mendoza 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michelle has been very helpful throughout the whole process. She has an efficient way of settling everything online and has saved us lots of time without the hassle. She makes sure your questions are thoroughly answered so you won’t feel clueless when buying your first home. Would highly recommend Tassie Mortgage Broker!
  
 
      Posted on Google  
   
   Karla Figuerres 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michelle of Tassie Mortgage Broker is highly recommended. We are first time home buyers and we had tons of questions that Michelle very kindly answered for us. She is very patient, professional and knowledgable. We are very lucky to have worked with the best Tassie Mortgage Broker.
  
 
      Posted on Google  
   
   shasank pachhai 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michelle is very professional and guiding, always a call away. Thank you Michelle and Roshan for helping us through journey of purchasing our First Home. Highly Recommend - Tassie Mortgage Broker😊
  
 
      Posted on Google  
   
   Jessica Watson 
 
 
 
 Trustindex verifies that the original source of the review is Google. We've been to Michelle a few times now, she helped us get our home loan and also refinance. She's so patient and happy to help wherever she can. Will definitely be going to Michelle for all of our brokering needs. 😊😊
  
 
      Posted on Google  
   
   Grunge Bibek 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would like to thank Tassie Mortgage Broker team specially Roshan for guiding me and my wife  through our fist home in Australia. He was literally available 24/7 for guidance and went extra miles to help us secure our first property. Super happy and highly recommended 👍👍👍
  
 
      Posted on Google  
   
   Sheree Howard 
 
 
 
 Trustindex verifies that the original source of the review is Google. My partner and I just bought our first home thanks to Michelle, we are just so truly thankful and grateful for this incredible woman. She has changed our lives and really made one of our dreams come true. She was friendly and approachable, made us feel comfortable and always got back to us so quickly. She was able to answer any questions we had, which was a lot as we were so new to this. Michelle went above and beyond. Thank-you, Thank-you, Thank-you Michelle!
Highly Recommend!
  
 
      Posted on Google  
   
   Craig Marshall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michelle gave first class service, and went the extra mile through a couple of tricky mortgage applications, and successfully guided us through our first purchase last year. When it's time to remortgage, Michelle will get the call. Cannot recommend her enough. Thank you - we're off the renting treadmill! :-)
  
 
      Posted on Google  
   
   Megan Marshall 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time buyers, Michelle from Tassie Mortgage Broker helped us navigate the home loan market and went above and beyond to help us secure a home loan on our fantastic starter home.

Call us

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0438 431 071

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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.

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Helping Australians find the right home loan and finance options with experienced mortgage broker support.

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Credit Representative Number: 490498

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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.

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Refinancing your home

Lower your rate

Access equity

Debt consolidation

Better loan features

Make your home loan work harder for you

Common questions about refinancing

Let us help you, just like we helped them...

Call us

Book an appointment

Start your application

Compliance

Contact

Connect

Refinancing your home

Lower your rate

Access equity

Debt consolidation

Better loan features

Make your home loan work harder for you

Common questions about refinancing

How much could I save by refinancing?

Are there costs to refinance?

How long does refinancing take?

Can I refinance if my fixed rate hasn’t ended yet?

Let us help you, just like we helped them...

Call us

Book an appointment

Start your application

Compliance

Contact

Connect