Mortgage
Refinancing
Refinancing could be one of your smartest financial moves. Lower your payments, access cash from your home's equity, or pay off your mortgage faster—all on your terms.
With today's competitive rates, you could save thousands. Start your free review today—no commitment, just clarity.
Why choose
Discover how debt consolidation through refinancing can simplify your finances, make one monthly payments and reduce monthly outgoings.
Lower Interest Rates
Take advantage of competitive rates to reduce the cost of your existing debts when consolidating through refinancing.
Simplified Monthly Payments
Consolidate multiple high-interest debts into one manageable monthly payment, reducing financial stress and complexity.
Debt Consolidation
Use your home's equity to pay off high-interest credit cards, personal loans, and other debts at a much lower mortgage rate.
Improved Credit Score
By consolidating and paying off high-interest debts, you can reduce your credit utilization and potentially improve your credit score.
Types of Refinancing
Choose the refinancing option that best fits your financial goals.
Debt Consolidation Refinance
Use your home's equity to pay off high-interest credit cards, personal loans, and other debts at a much lower mortgage rate.
- Eliminate high-interest debt
- Single monthly payment
- Potential tax benefits*
Cash-Out Refinance
Borrow against your home's equity to fund home improvements, consolidate debt, or make investments.
- Access home equity
- Competitive rates
- Tax-deductible interest*
Rate Review Refinance
Take advantage of lower interest rates to reduce your monthly payments and save money over the life of your loan.
- Lower monthly payments
- Reduced total interest
- Better loan terms
Mortgage Refinance Process
Mortgage Refinance Process
How does it work? Our streamlined refinance process makes it easy to explore your options and secure a better rate.
Calculate Your Potential Savings
Compare your current repayments with an example new loan. All figures are illustrative estimates based on what you enter, not quotes or available offers.
Refinance Repayment Estimator
An illustration only. Every rate, fee and repayment shown is an example you enter yourself — not a quote, offer or available product.
Illustrative example only. The default rates are placeholders, not rates available to you. Your actual rate, fees and eligibility depend on your lender and circumstances. This tool does not consider your objectives or financial situation and is not credit assistance.
Your current home loan
Other debts you may consolidate
Assumptions: each debt is treated as an amortising loan repaid in equal monthly instalments at the rate and term you enter, with no new spending on the card and no fees. Real credit cards use minimum repayments that take far longer and cost more. Change the rates and terms above to match your own statements.
Proposed new loan
No refinancing costs entered. Real refinances almost always have costs — enter the figures from your lender's quote for a realistic comparison.
Monthly repayments
Total interest and fees
Both totals run each debt to the end of its own repayment schedule, so the comparison is like-for-like. Monthly repayment changes and total cost are shown separately because a lower repayment does not always mean a lower total cost.
Comparison
Monthly repayments
Total interest and fees
Results are estimates based only on the figures you enter and the assumptions listed above. They assume the rate stays fixed for the whole term, repayments are made monthly and on time, and exclude ongoing account or package fees, offset benefits, redraw and any lender's mortgage insurance not entered above. Rates change and lender fees vary. For general guidance on refinancing and consolidating debt see ASIC's Moneysmart at moneysmart.gov.au. ChapterTwo Australian Credit Licence No. 531408.
Ready to Start Saving?
Join thousands of homeowners who have already saved money by refinancing with ChapterTwo.