Refinancing
A home loan that suited you several years ago may not suit you today. We review your existing mortgage and assess whether staying with your current lender or refinancing may better align with your needs.
Overview
Rates move, fixed terms expire and your goals change. A loan review helps you understand where you stand today — and what your options are.
Sometimes the best outcome is a better deal with your current lender. Sometimes it’s a move. Either way, you’ll understand the costs and the reasoning.
30+lenders compared
What we can help with
Current interest rate
Loan structure & features
Current lender options
Alternative lender options
Available equity
Refinancing costs
How it works
We review your current rate, structure and features.
We compare your current lender with alternatives on our panel.
We explain costs, savings and trade-offs clearly.
If you proceed, we manage the refinance end to end.
Capta Financial
Periodic loan, rate and equity reviews — long after settlement.
FAQ
Can’t find what you’re looking for? Speak directly with a Capta broker.
Common triggers include a fixed term ending, a change in rates, a change in income or family situation, or wanting to access equity. Many borrowers benefit from a review every year or two.
Costs can include discharge fees, application or valuation fees and, for fixed loans, possible break costs. We’ll outline the costs so you can weigh them against potential benefits.
In some cases, yes. Consolidating debt into a home loan may reduce repayments but can increase total interest over time. We’ll explain the trade-offs.
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Understand what you may be able to borrow, how much deposit you may need and what the finance pathway looks like.
Book a meeting
Speak directly with a Capta broker about where you are today and what you’re looking to achieve.
45 minutes. No cost. No obligation.
