Refinancing solutions
Refinancing done properly is a strategy, not a rate chase
Switching lenders for a slightly lower rate can be worthwhile, but it’s rarely the whole story. The right refinance considers fees, structure, and where you’re headed next.
I look at the true cost, the structure, and your long-term goals, not just this month’s advertised rate.
Prefer to talk first? Call Durand direct on 0450 275 656
How I can help
With over 23 years in financial services, I bring a depth of understanding to lending, cash flow and long-term strategy that most brokers simply don’t have. A lower rate that costs you flexibility later isn’t a win. I look at the whole picture before recommending a move.
True cost comparison
Comparing exit costs, fees and rate honestly, not just the number in the advertisement.
Debt consolidation options
Rolling high-interest debts into one structured facility, done properly.
Complex income handled
Self-employed or variable income assessed properly, not knocked back on a technicality.
Structuring for flexibility
Offset, redraw and split options set up for where you are headed next.
Timing around fixed rate expiry
Avoiding the trap of rolling onto your lender’s default variable rate.
Full market comparison
Checked across 70+ lenders so you know whether your current lender is still competitive.
Refinancing that improved his rate and funded his renovation
Julian, single, working for one of Australia’s largest commercial heating and air conditioning providers as their Victorian sales rep, earns about $175,000 a year. Julian came to us frustrated with his existing lender. He had no credit cards and no personal loans, just his home loan, and was clearly on top of his finances, but when he asked his lender for a rate review, he was told there was no further discount available. Referred to us through a business colleague, he wanted a lender that could actually match the service and pricing he expected.
Julian wanted to refinance his $785,000 home loan and access an additional $70,000 in cash out to fund renovations he planned to manage at his own pace. With a clean credit history and strong, stable income, he was an attractive client to the right lender, we just needed to find one willing to compete for his business.
We approached several lenders and negotiated on his behalf. Julian’s monthly repayment on his $785,000 mortgage dropped from $4,922 to $4,756, a saving of $166 a month, or $1,992 a year. The additional $70,000 for his renovations added just $254 a month to his repayments.
We also moved Julian to a lender better suited to how he manages money, one offering multiple offset accounts, so he can keep his renovation budget separate from everyday spending while still reducing the interest on his home loan.
The result was a lower rate, funding for the renovation he’d been planning, and a loan structure that actually matched how Julian runs his finances day to day.
Refinancing is more than switching lenders
A refinance can lower your rate, unlock better features, consolidate debt, or free up equity for your next goal. But it can also come with exit fees, new establishment costs, and a reset loan term that quietly adds years back onto your mortgage if it isn’t structured with care. The right refinance is the one that moves you closer to your actual goals, not just to a smaller number on your next statement.
It suits you if you are
- On a rate that no longer feels competitive
- Coming off a fixed rate period soon
- Wanting to consolidate other debts into one structured loan
- Looking to access equity for renovations or investment
- Not sure if switching is actually worth the cost
Why clients choose me for refinancing
With over 23 years in financial services, I understand the intersection of lending, cash flow and long-term wealth building better than a broker who only compares rates. I don’t just chase the lowest number, I look for the detail in your numbers that determines whether a refinance genuinely leaves you better off.
Refinancing is more than switching lenders
A refinance can lower your rate, unlock better features, consolidate debt, or free up equity for your next goal. But it can also come with exit fees, new establishment costs, and a reset loan term that quietly adds years back onto your mortgage if it isn’t structured with care. The right refinance is the one that moves you closer to your actual goals, not just to a smaller number on your next statement.
It suits you if you are
- On a rate that no longer feels competitive
- Coming off a fixed rate period soon
- Wanting to consolidate other debts into one structured loan
- Looking to access equity for renovations or investment
- Not sure if switching is actually worth the cost
Why clients choose me for refinancing
With over 23 years in financial services, I understand the intersection of lending, cash flow and long-term wealth building better than a broker who only compares rates. I don’t just chase the lowest number, I look for the detail in your numbers that determines whether a refinance genuinely leaves you better off.
How I can help navigate your next move
Refinancing can feel like a hassle. The process working with me shouldn’t be.
Why professionals work with me
Every lending strategy is delivered by the same person, start to finish, not handed between call centre staff.
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Refinancing FAQs
How do I know if refinancing is worth it?
It depends on the gap between your current rate and what’s available, how long you plan to stay in the loan, and what fees apply on both sides. I’ll run the numbers with you so you can see the real, after-cost benefit before deciding.
What costs are involved in refinancing?
Common costs include discharge fees from your current lender, application or valuation fees with the new lender, and government registration fees. Some of these can be waived or covered by cashback offers, which I’ll factor into the comparison.
Can I refinance if I am self-employed?
Yes. Self-employed income is assessed differently, usually against tax returns or business financials, but it’s absolutely possible with the right lender and the right presentation of your numbers.
Should I refinance with my current lender or switch?
Sometimes your current lender will match a competitor’s offer to keep you, which can save you the hassle of switching. Other times a genuine switch is the better outcome. I’ll compare both paths honestly rather than assuming either is best.
Can refinancing help me consolidate other debts?
Yes, refinancing can be used to roll credit cards, personal loans or car loans into your home loan at a lower interest rate. It’s worth structuring carefully though, so you’re not just spreading short-term debt over a 30-year term.
How is your approach different from an online rate comparison?
A comparison site shows you a rate. I look at your full financial picture, exit costs, structure, and where you’re headed, then tell you honestly whether refinancing actually leaves you ahead. With over 23 years in financial services, that detail is where the real value sits.
Related reading
Want to go deeper before you get in touch? Start here.
What to consider when refinancing?
A closer look at the factors that matter beyond the headline rate.
Offset vs redraw
Understanding which loan feature actually suits how you manage money.
Explore more lending options
Refinancing often opens the door to other strategies. Here’s where else to look.
Equity release
Access the equity you’ve built for your next investment or project.
Debt recycling strategy
Turn your refinanced loan into a tool for building long-term wealth.
Debt consolidation
Combine scattered debts into one structured, lower-interest facility.
Ready to see if refinancing is worth it?
Tell us about your current loan and goals and we’ll come back with an honest, numbers-based comparison.