REFINANCE YOUR LOAN WITH CONFIDENCE
Refinancing can feel complex, but with a trusted Ironbark Group mortgage broker by your side, you can explore better rates, smarter structures, and solutions that suit your evolving financial needs.
Refinancing your loan can help you secure improved rates, consolidate debts, or adjust your loan structure to match your current circumstances. In the last 12 months, refinancing activity has surged across Australia, driven by declining interest rates and a desire to improve financial outcomes. Ironbark Group mortgage brokers help you navigate the process efficiently, ensuring you understand your options and avoid common pitfalls.
WHY CHOOSE IRONBARK GROUP?
Refinancing can benefit a wide range of borrowers. This includes individuals or businesses with higher-rate loans seeking better options, as well as those whose fixed-rate loans are ending and may revert to higher variable rates. Property investors or homeowners may refinance to access increased equity for renovations, new investments, or debt consolidation, while others use refinancing to combine higher-interest debts into a single, more manageable loan. Whatever your situation, Ironbark Group can help you understand your options and structure a solution that works for your financial goals.
While refinancing can feel daunting, Ironbark Group makes the process straightforward and stress-free.
As a trusted mortgage broker, we:
Assess your current loan and financial situation to identify better options
Structure loans to reduce interest costs and avoid common refinancing pitfalls
Guide you through documentation, valuations, and lender requirements
Help maximise equity access and select features that suit your needs
Support you every step of the way, from assessment through settlement
We focus on your individual goals, helping you refinance with confidence, clarity, and peace of mind.
READY TO REFINANCE YOUR LOAN SMARTLY?
Contact Ironbark Group today and speak with a trusted broker who can guide you through refinancing options. We’ll help you compare rates, structure your loan, and ensure it aligns with your short- and long-term financial goals.
Frequently Asked Questions
What does refinancing mean?
Refinancing involves replacing your current loan with a new one to access better rates, features, or a structure that suits your needs.
Who should consider refinancing?
Borrowers with higher rates, expiring fixed terms, or those looking to consolidate debts or access equity may benefit from refinancing.
How much can I save by refinancing?
Savings depend on your current rate, loan balance, and term. Many borrowers save thousands per year by switching to a lower rate or restructuring their loan.
Are there costs when refinancing?
Yes. Fees may include exit fees, application fees, valuation costs, and, for residential loans, potential Lender’s Mortgage Insurance.
Can refinancing extend my loan term?
Yes. Refinancing can reset the loan term back to the original maximum, which may increase total interest. A broker can help structure the loan to avoid this pitfall.
Is refinancing only about rates?
No. It also allows access to additional features such as redraw facilities, offset accounts, or better loan flexibility.
Can I refinance if my income has changed?
Possibly. Lenders assess serviceability carefully. A broker can help present your financial position optimally.
How long does refinancing take?
It varies but typically takes a few weeks. Your broker will guide you through paperwork, lender approvals, and settlement.
Can refinancing help consolidate other debts?
Yes. Consolidating high-interest debts into an existing loan can simplify repayments and reduce interest costs.
How does Ironbark Group help with refinancing?
We review your current loan, explore multiple lender options, guide you through the process, and ensure your loan is structured to save interest and meet your long-term goals.
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Ironbark Group really listens to what you need. They are also so helpful with business, home and car insurance. Ironbark Group really take the time to explain everything, so you really understand your home loans and insurance. They are the best!! Thank you so much Ironbark Group for all your help!!
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Totally awesome business to deal with! 100% can guarantee their excellent services.
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Get in touch
Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.
PHONE
POSTAL ADDRESS
PO Box 883, Upper Coomera QLD 4209
UPPER COOMERA
Unit 9/4 Dalton St,
Upper Coomera QLD 4209
SOUTHPORT
Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215
HELENSVALE
15-17 Millennium Circuit,
Helensvale QLD 4212