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Refinancing Calculator

Is your home loan still working for you—or is it time for a better deal? Whether you're looking to lower your repayments, access equity, or pay off your loan faster, refinancing could help you get ahead financially.

FIND THE RIGHT LOAN FOR YOU

Choosing a home loan is one of life's big decisions. We get it.

The right property loan depends on your circumstances. Explore the most common loan types below, and then get in contact with a Shore broker to learn what’s right for you.

First Home Loans
Refinancing Loans
Investment Loans

Ready to refinance and save? Chat with our award-winning team today for a tailored loan review.

    Contact a Broker

    Why Refinance Your Home Loan?

    Refinancing means replacing your current home loan with a new one—either with your existing lender or a new one. Here’s why many Australians choose to refinance:

    • Lower your interest rate and reduce repayments
    • Access equity to renovate, invest, or consolidate debt
    • Switch to a more flexible loan structure (e.g. offset, redraw, interest-only)
    • Get out of a fixed rate or expiring honeymoon rate
    • Take advantage of cashback offers or lender incentives
    • Restructure your finances to suit your goals or changing circumstances

    When Should You Refinance?

    You might want to consider refinancing if:

    • You haven’t reviewed your loan in the last 2 years
    • Your fixed rate is about to expire
    • You’ve had a change in income, goals, or property plans
    • You want to release equity to renovate or invest
    • Your loan has high fees or outdated features

    How Does the Refinancing Process Work?

    1. Loan review – We assess your current loan and goals
    2. Lender comparison – We compare 70+ lenders to find a better deal
    3. Loan application – We help prepare and lodge your refinance
    4. Settlement – Your new lender pays out your old loan, and you start fresh

    At Shore Financial, we handle the entire process for you—minimising paperwork, saving time, and ensuring you make a move that’s right for your future.

    How Does the Refinancing Process Work?

    1. Loan review – We assess your current loan and goals
    2. Lender comparison – We compare 70+ lenders to find a better deal
    3. Loan application – We help prepare and lodge your refinance
    4. Settlement – Your new lender pays out your old loan, and you start fresh

    At Shore Financial, we handle the entire process for you—minimising paperwork, saving time, and ensuring you make a move that’s right for your future.

    Is Refinancing Right for You? [Checklist]

    • Do you know your current interest rate?
    • Has it been more than 2 years since you reviewed your home loan?
    • Are you nearing the end of a fixed-rate term?
    • Do you want to renovate or invest using equity?
    • Are your repayments starting to stretch your budget?

    If you answered yes to any of these, it might be time to refinance.

    Why Refinance with Shore Financial?

    • Access to 70+ lenders with competitive rates
    • A holistic view of your goals and equity position
    • Ongoing support with our Sleep Soundly Promise – including annual loan reviews
    • Specialists in complex scenarios (self-employed, investors, SMSFs)
    • Over 800 5-star reviews and counting

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