5.89
%
p.a.
Interest rate *
When was the last time you checked your home loan? Chances are you’re paying more interest than you should. Banks often make refinancing more difficult than it needs to be, but at It’s Simple we make the process clear and straightforward.
Whether consolidating debt, unlocking equity, purchasing an investment, or financing a new car, we develop solutions that fit your goals.
Put your money back where it belongs – in your pocket.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
From a one bedroom apartment to three properties under a year. Refinancing gave Anthony and Ivana the leverage to grow fast.
Whether consolidating debt, unlocking equity, purchasing an investment, or financing a car, we develop solutions that fit your goals.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
From a one bedroom apartment to three properties under a year. Refinancing gave Anthony and Ivana the leverage to grow fast.
Reviewing your loan could save you thousands. At It’s Simple, we compare more than 40 banks and lenders to secure lower rates, reduce repayments, and unlock equity for your next goal. Whether you want to renovate, invest, or consolidate debt, we make refinancing clear and straightforward.
Accessing the equity in your home through refinancing lets you fund renovations, purchase an investment property, or buy a new car. Using your property’s value strategically can open new financial opportunities, strengthen your position, and help you move closer to your long-term goals.
Combining debts such as credit cards, personal loans, or car finance into a single home loan can simplify your finances. Refinancing lowers total interest costs, reduces multiple repayments, and improves cash flow. It’s an effective way to regain control and work toward becoming debt-free sooner.
Refinancing to a lower rate or improved loan structure can help reduce your monthly repayments and long-term interest costs. Even a small change in rate can save thousands over time. By reviewing your loan, you can improve cash flow, reduce pressure, and achieve your financial goals faster.
Refinancing can save you money by securing a lower interest rate, reducing monthly repayments, or consolidating debt. It can also give you access to equity for investments, renovations, or other financial goals.
Yes. Many homeowners refinance to release equity from their property. This equity can be used to pay for renovations, upgrades, or extensions, helping you add value to your home.
The process usually takes two to four weeks, depending on the lender and how complex your situation is. Having your documents ready can help speed things up.
Most lenders prefer that you hold at least 20 percent equity in your property, but some lenders may allow you to refinance with less depending on your profile.
Yes, each application leaves a mark on your credit file. However, if handled correctly through a broker, refinancing will not harm your score significantly and can actually improve your financial position in the long run.
Yes. Different lenders have different criteria. Being declined by one bank does not mean you cannot refinance. A broker can help find a lender that better suits your situation.
Yes. Refinancing an investment property can help you secure a better rate, release equity for another purchase, or restructure your loan to improve cash flow