The RBA has raised the official cash rate to 4.35%. Chat with us today to make sure you’re not overpaying your loan.

The RBA has raised the official cash rate to 4.35%. Chat with us today to make sure you’re not overpaying your loan. The RBA has raised the official cash rate to 4.10%. Chat with us today to make sure you’re not overpaying your loan.

Thinking about refinancing your
home loan?

You’re possibly (actually, probably) paying too much interest on your loan.
When was the last time you did a health check on your loan? Banks can sometimes make it more challenging than it needs to be. Get in touch and we’ll show you how to make your mortgage work for you so that you can spend your hard earned money on what really matters to you.

Whether you’re consolidating debt, unlocking the equity in your home, purchasing an investment, or a new car we have the perfect refinancing solutions tailored to your needs.

We work with 40+ banks and lenders to give you more choices and tailored offers.

Current rates from:

5.54

%

p.a.

Interest rate*

5.56

%

p.a.

Comparison rate*

Refinance Home Loan
We keep loans simple Refinance Home Loan We keep loans simple Refinance Home Loan We keep loans simple Refinance Home Loan

Home Loan
Options​

Variable rate loans

You’re possibly (actually, probably) paying too much interest on your loan.
When was the last time you did a health check on your loan? Banks can sometimes make it more challenging than it needs to be. 

Refinance Home Loan

Fixed rate loans

Fixed rate home loans are perfect when we have economic uncertainty. It’s when your mortgage  interest rate remains constant, usually a few years. It offers predictable monthly payments, making it an excellent choice for those who loves certainty.

Refinance Home Loan
Refinance Home Loan

Investment loans

Tapping into equity and planning to expand your investment portfolio? We are here to help with tailored offers and more choices to suit your investment needs and goals.

Why It’s Simple?

Refinance Home Loan
Refinance Home Loan

Prepare Your Paperwork

Our streamlined process makes paperwork a breeze. With our user-friendly systems and guidance, submitting your documents will be quick and hassle-free, ensuring a smooth start to your home loan journey.

Refinance Home Loan

Meet With Our Broker

Our experienced brokers are dedicated to understanding your unique financial goals and finding the perfect loan solution for you. Their expertise and personalized approach will give you confidence and peace of mind, knowing you're in capable hands.

Refinance Home Loan
Refinance Home Loan

Submit Your Application

Submitting your application needs all the right things attached..don't worry we'll make it simple. Our secure and efficient application submission process ensures that your information is handled with utmost care, providing you with a sense of security and ever so closer to settlement.

Refinance Home Loan

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Refinance Home Loan
Refinance Home Loan

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Refinance Home Loan
Refinance Home Loan

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Apply online for your refinance

We filter rates based on your exact situation. If you don’t live here, we will assume it’s for an investment property. It’s Simple values your privacy and are committed to protecting all personal information we collect.

What Clients
Say About Us

Jasreen Sangha
We reached out to Michael from It's Simple to refinance our home loan. We found Michael to be dedicated and knowledgeable throughout the process. We appreciated his communication and flexibility in meetings times. He was able to deliver or exceed on all said deliverables. Would recommend Michael without hesitation to all family and friends as well keeping him as our preferred broker!
Justin Cox
Simple finance is just that simple. Michael made refinancing our home loan such an easy and seemless process. We would quite happily recommend Michael and be happy to use him with any future endeavours.
Melinda Barton
This was our second time using Simple Finance and as the name suggests the whole process of refinancing our investment loan was made simple thanks to Michael and his expert knowledge, professionalism, swift, transparent communication, and caring manner. I highly recommend Simple Finance and look forward to working together next time.
Sam Ranieri
Michael is an absolute legend. I would like to express my heartfelt gratitude to Michael for his professionalism, He guided us through the entire process from start to finish, it was explained and executed professionally and in record time. All of the information was requested and vetted prior to application which made the approval step and time period quick and easy. I can highly recommend Michael to anyone in need of a loan service. Thank once again for your support!
Ivana Ticinovic
Joey was a sensational help to us during our initial mortgage application process. Great honest advice and guidance in the lead up during the purchase of our property. Buying a property during a Covid lockdown was a huge task already however Joey made it the whole process seamless could not recommend enough. We have now reached out again to Joey to help us get a lower rate on our loan after our fixed period had expired. We have now locked in one of the lowest rates on the market and couldn't be more grateful for his assistance! These guys are the best in the business!
Mark Hassan
Outstanding service and support. Michael and his team at simple finance Made our journey in buying our 1st investment property super easy. We would highly recommend them for anyone looking for a loan, refinance or even a chat to help you understand the process. Thanks again Team.
simonfayek
Yahya jassem is very professional staff ..Honest ..reliable .i strongly recommend him..my loan application and purchasing process went very smooth Thanks Yahya
Jason G
Best company to refinance with, had the pleasure of Michael Mankin assisting me and all was a smooth process, highly recommend.
Emily Cooke
Joseph isn't *just* a brilliant mortgage broker. He isn't *just* a mathematical genius. He isn't *just* a great business mind. Joey is someone you want in your corner when you're making big decisions. Like who to trust with your home loan. He genuinely wants to help make the lives of everyone around him better through education and property. His clients and colleagues are better off for the work he does. I'd proudly recommend Joey and the It's Simple team every single time. 🙌🏼
Eric Hoffmann
The team at It's Simple made it super easy to get into our first home. Yahya, Michael and Joseph are experts at what they do.
The RBA has raised the official cash rate to 3.35%. Chat with us today to make sure you’re not overpaying your loan. The RBA has raised the official cash rate to 3.10%. Chat with us today to make sure you’re not overpaying your loan.