Refinancing in Perth
Refinancing means moving your home loan to a new lender, or renegotiating with your current one, to get a lower rate, release equity, consolidate debts or change the loan structure. In Perth, brokers handle this for owners across areas from Joondalup and Rockingham to Fremantle and the hills, comparing offers from banks and non-bank lenders on your behalf.
What to look for in a refinancing broker
Ask which lenders they can access and how many they actually compare. Check that they explain the full cost of switching, not just the headline rate: discharge fees, application fees, any break costs on a fixed loan, and possible lenders mortgage insurance if your equity is under 20%. A good broker will also tell you when staying put is the better move.
How our scoring helps
We list 352 refinancing brokers and score them on published review data, so you can compare without starting from zero. See how the ratings work on our methodology page, or go straight to the ranked guide to mortgage brokers for the top-scoring names. Shortlist two or three, then ask each for a written comparison before you commit.
Get help choosing refinancing
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All refinancing, ranked by score and relevance
We found 350 businesses offering refinancing; 325 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is refinancing, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
Quote and contact requests you submit through our forms may be passed to one or more partner providers who can carry out the work, and we may receive a fee for those referrals. Rankings and scores are not influenced by referral fees and remain separate from our independent, published scoring method.
Common questions about refinancing
- How much does it cost to refinance a home loan in Perth?
- Broker services are usually free to you, as the lender pays the broker a commission. Expect lender costs of roughly $0 to $600 in application and discharge fees, plus government mortgage registration fees in WA. Many lenders also offer cashback deals that offset these.
- How often should I refinance?
- There is no set schedule. A review every 12 to 24 months, or when your fixed term ends, is sensible. Refinance when the saving clearly outweighs the switching costs, usually when another lender offers a rate meaningfully lower than yours.
- What happens during a refinance?
- Your broker compares lenders, collects payslips, statements and ID, and lodges the application. The new lender values your property, approves the loan and pays out your old one. It typically takes two to six weeks.
- How can I judge whether a refinancing broker is good?
- Check they hold an Australian Credit Licence or are a credit representative, ask how many lenders they compare, and get the costs in writing. Recent, detailed reviews and clear answers about whether switching is worthwhile are good signs.
Guides to choosing refinancing
- Is refinancing worth it? WA costs explained
What refinancing a home loan costs in WA: $450.20 in Landgate fees, lender fees, break costs and LMI, plus a break-even example to test your switch.
- Refinancing after separation in WA: your home loan options
Refinancing a joint home loan after separation in WA: buying out your ex, the 3 percentage point buffer, nominal stamp duty and time limits.