Refinancing Home Loan | Mortgage Refinance Australia | Ynance

Mortgage Refinance in Australia

Fight the Rate Rises and Find a Better Deal
through Mortgage Refinance

Welcome to Ynance, your trusted partner in helping you optimise your mortgage, save money and achieve your financial goals. Our mortgage refinance services are designed to allow you to beat the rate rises and find the best home loan deal in the current market.

Whether you’re looking to lower your interest rate, consolidate debt, access equity, or adjust your loan structure, our expert team of mortgage brokers is here to guide you through the process. Discover the benefits of refinancing your home loan with Ynance today.

Your FREE Home Loan Health Check

Could refinancing save you money? Is there a better deal out there for you?

We will review your current loan and tell you if you could save through our FREE Home Loan Check service.

Expert Mortgage Refinance Solutions

At Ynance, we specialise in providing expert mortgage refinance solutions for homeowners across Australia. 

Refinancing your home loan offers several advantages, allowing you to take advantage of better loan terms, reduce interest payments, and achieve financial flexibility.

Our team of experienced mortgage broker will assess your current mortgage, understand your financial goals, and tailor a refinance solution that best suits your needs. Whether you’re seeking to refinance for a lower interest rate, access equity, or consolidate debt, we have the expertise to guide you through the process.

Benefits of working with Ynance as a first home buyer:

  • We have a deep understanding of the Australian mortgage market.
  • We have access to a wide range of lenders, so we can find the best deal for you.
  • We’ll work with you to understand your financial situation and goals.
  • We’ll be there to answer any questions you have along the way.

Why Choose Ynance for Your Mortgage Refinance

By choosing Ynance for your mortgage refinance, you gain access to a range of benefits that can positively impact your financial situation. Here’s why you should choose us:

Benefits of working with a Ynance Mortgage Broker

Lower interest rates

We leverage our extensive network of lenders to secure competitive interest rates, potentially saving you thousands of dollars over the life of your loan.

Expert advice and guidance

You receive expert guidance throughout the entire process. You will understand the different types of mortgages, interest rates, fees, and other important factors.

Save time and money

Your time is valuable! By allowing u to handle the negotiation and paperwork, liaise with lenders, and streamline the entire process, you will save you time and stress.

What makes Ynance different?

30+ lenders and 12,000 deals

With access to 30+ lenders and over 12,000 mortgage deals, we are more likely to find the best deal for you.

Streamlined Process

After helping many Australians refinance their home loan, we have an efficient and streamlined process.

We're local

Work with a mortgage broker that is familiar with the Australian lending conditions for an advantage.

Free Mortgage Review

We provide a free mortgage review where we go over your current mortgage deal. We compare against our panel of lenders and strategise the best home loan solution for you. 

Is Refinancing Right for You?

Common Scenarios to Consider

Refinancing your home loan can be a strategic financial move in various situations. 

Here are some common scenarios when you may consider refinancing:

Lower interest rates

If interest rates have significantly dropped since you obtained your mortgage, refinancing can help you take advantage of the lower rates and potentially save on interest payments.

Change in financial circumstances

If your financial situation has improved, refinancing can allow you to secure better loan terms, such as a lower interest rate or more favourable repayment options.

Consolidating debt

If you have high-interest debts, such as credit cards or personal loans, refinancing can provide an opportunity to consolidate them into a single, more manageable loan with a lower interest rate.

Accessing equity

If you need funds for renovations, investments, or other purposes, refinancing can allow you to tap into the equity you’ve built in your home.

Loan restructuring

Refinancing can be an option to adjust the structure of your loan, such as switching from a variable rate to a fixed rate, or vice versa, to better align with your financial goals and risk tolerance.

Need cash flow

Refinancing to a lower interest rate or extending your loan term can reduce your monthly mortgage repayments, freeing up cash flow for other expenses or investments.

Tailored Loan Solutions for Refinancing

Refinancing your mortgage is a significant financial decision, and having the guidance of a professional mortgage broker can make all the difference. At Ynance, our team of experienced mortgage brokers is dedicated to simplifying your refinance journey and ensuring you make informed decisions.

Here’s 6 reasons why working with a mortgage broker is advantageous:

1. Expertise and Market Knowledge

Our mortgage brokers possess in-depth knowledge of the mortgage market, including the latest trends, interest rates, and loan products. We stay updated with the ever-changing lending landscape, enabling us to provide you with tailored advice and identify the most competitive refinancing options available.

2. Access to a Wide Range of Lenders

As an independent mortgage broker, we have access to an extensive network of lenders, including major banks, credit unions, and non-bank lenders. This access allows us to explore a diverse range of loan options and negotiate favourable terms on your behalf. We’ll analyse your financial situation and match you with the lender that best aligns with your needs and objectives.

3. Tailored Solutions for Your Goals

Every homeowner’s financial situation and goals are unique. Our mortgage brokers take the time to understand your specific needs, whether it’s reducing interest payments, consolidating debt, or accessing equity. We then develop personalised refinancing strategies to help you achieve your goals while optimising your financial outcomes.

4. Streamlined Application Process

Navigating the paperwork and application process for refinancing can be overwhelming. Our mortgage brokers handle the entire process on your behalf, ensuring all necessary documentation is complete, accurate, and submitted in a timely manner. We streamline the application process, saving you time and reducing potential stress.

5. Professional Negotiation

Our mortgage brokers are skilled negotiators who can advocate for you when dealing with lenders. We negotiate with lenders to secure competitive interest rates, favourable loan terms, and potentially waive or reduce certain fees associated with refinancing. Our goal is to maximise the benefits you gain from refinancing.

6. Ongoing Support and Guidance

Our commitment to you extends beyond the refinancing process. We provide ongoing support and guidance throughout the life of your loan. Whether you have questions, need assistance with future financial decisions, or want to explore other mortgage opportunities, our team is always here to help.

By partnering with a trusted mortgage broker like Ynance, you can navigate the complexities of refinancing with confidence, knowing that you have a dedicated professional working in your best interest. Contact us today to begin your refinancing journey and experience the advantages of working with an expert mortgage broker.

Are you making another type of purchase or transaction?

First Home Buyer

Are you a first time home buyer looking for expert guidance?

SMSF Purchase

Do you want to use your super to purchase a property?

Commercial Property

Buying a commercial property?

Investment Property

Do you want to buy an investment property?

Simplifying Your Mortgage Refinance Journey

Our Process

Initial Consultation

We begin with an initial consultation to understand your current mortgage, financial goals, and reasons for refinancing. We’ll assess your needs and provide expert advice on the most suitable refinance options for you.

Evaluation and Comparison

Our team will evaluate your existing mortgage and compare it with the available refinancing options in the market. We’ll consider factors such as interest rates, fees, loan features, and eligibility criteria to identify the best refinancing solution for you.

Application and Documentation

Once you’ve selected a refinancing option, we’ll assist you in preparing the necessary documentation and submitting the application. Our experienced mortgage brokers will ensure accuracy and completeness, maximising your chances of approval.

Loan Application

We’ll work diligently with the lenders provide all documentation to secure your loan approval in a timely manner for your refinancing.


Our team will coordinate with relevant parties, such as solicitors and conveyancers, to ensure a seamless settlement and transfer of your mortgage.


Congratulations! Time to enjoy your new mortgage deal, the cash payout from equity or any other benefits from your refinance.

Complex Circumstances

We help all types of borrows in all kinds of markets.

At Ynance, we understand that every borrower’s financial situation is unique, and sometimes, circumstances can be complex. Whether you’re self-employed, have irregular income, or face credit challenges, we’re here to help. Our mortgage refinance solutions are designed to cater to borrowers with diverse backgrounds and navigate various market conditions. 

Self-Employed Borrowers

Being self-employed comes with its own set of challenges when it comes to mortgage refinancing. Our experienced mortgage brokers have expertise in working with self-employed individuals and understand the complexities of documenting income. We can help you explore refinancing options that consider your business structure, income streams, and financial stability to find the right solution for your unique needs.

Irregular Income or Contract Workers

If you have irregular income due to contract work, freelancing, or seasonal employment, securing a refinance can be more challenging through traditional lending channels. Our mortgage brokers have access to lenders who offer flexible options for borrowers with irregular income. We’ll assess your situation and identify suitable loan products that take into account your specific income patterns.

Credit Challenges or Previous Financial Hardships

We believe that previous credit challenges or financial hardships shouldn’t be roadblocks to refinancing. Our mortgage brokers work with a wide range of lenders, including those who specialise in assisting borrowers with less-than-perfect credit histories. We’ll assess your circumstances, explore refinancing solutions tailored to your needs, and provide guidance on improving your credit standing over time.

Investment Properties or Multiple Mortgages

If you own investment properties or have multiple mortgages, refinancing can become more complex. Our team has extensive experience in working with borrowers who have diverse property portfolios. We’ll assess your investment strategy, explore refinancing options that align with your goals, and provide expert advice on optimising your property financing to maximise returns.

Changing Market Conditions

Markets can fluctuate, and economic conditions can impact interest rates and loan offerings. Our mortgage brokers stay up to date with market trends and have the expertise to navigate changing market conditions. We’ll monitor interest rate movements and advise you on the optimal timing for refinancing, ensuring that you secure the most competitive terms available.

No matter your circumstances, we believe that everyone deserves access to quality mortgage refinance solutions. Our dedicated team at Ynance is committed to understanding your unique borrowing situation, addressing your concerns, and tailoring our services to meet your specific needs. Contact us today to discuss your complex circumstances and discover how we can assist you in achieving your refinancing goals.

What our clients are saying...

Sam SmithSam Smith
01:20 02 Nov 23
Can't thank Mitch enough for getting our mortgage finance over the line. Our situation being a business owner made the process a lot harder and Mitch got the job done with limited time on hand. Cheers Mate!
Tiana DayTiana Day
00:55 02 Nov 23
Personally recommend Mitch. He is very easy to talk to and excellent communication.Highly recommend
Elliot CondonElliot Condon
23:49 08 Oct 23
Highly recommend Mitch at Ynance for mortgage broking. Mitch secured us a great loan product to complete our dream build in Peregian Beach and handled everything for us with the stress free professionalism that goes hand in hand with the Sunshine Coast.
John MorrallJohn Morrall
00:30 27 Sep 23
Highly recommend Ynance to help set your financial future up. Mitch was amazing, nothing was too hard, communication was exceptional.
Werner ReitererWerner Reiterer
22:43 25 Sep 23
Quick efficient hassle free service. Highly recommended
Monroe BuntainMonroe Buntain
10:12 21 Sep 23
Mitch made our refinance process so easy. We were so impressed with how informed he kept us along the whole journey and made sure to get the loan that worked best for us. Great service!
04:22 06 Sep 23
The best of the best! Mitch looks after all of my client's and their lending needs. He is diligent, trustworthy and transparent with second to none communication skills. Couldn't recommend more highly.
Kristen FindlaterKristen Findlater
22:53 23 Jul 23
Mitch was a great help when we needed to refinance our mortgage. He gave us all our options for purchasing another place as well as just refinancing where we are. Highly recommend!
Ryan JefferyRyan Jeffery
09:29 05 Jul 23
If you are looking for educated, efficient, direct, responsive and driven in your mortgage broker, then Mitch is your man. We will have no hesitation is using Mitch into the future with all our personal and business broking needs.We look forward to a strong future with Ynance.
Sonny MehtaSonny Mehta
05:18 24 Feb 23
Mitch at Ynance has been absolute delight to deal with he is a professional with a terrific composure never lost his cool and was always optimistic as to what he wanted for his client and with persistence got us there. well done Mitch, we were very happy you were on our side. Thanks again mate wish you all the success in the future you deserve it.
Bernie MurphyBernie Murphy
03:13 14 Feb 23
Amazing service!. Mitch was really professional and provided me with a number of options for refinancing my home loan. the rates comparison and information he presented was in a format that was easy to understand. Refinancing my mortgage through Ynance will now save me money and allow me to pay off my home loan quicker. It was such a smooth process! I highly recommend them.
01:23 13 Dec 22
I engaged Mitch to look at home loan options on my investment property as my 2-year fixed rate was coming to an end. Mitch explained the process with a high level of clarity and he was able to answer my questions immediately or got back to me very quickly if he didn't have the answer. Mitch took into account my position and priorities when it came to lenders, prioritizing my needs when considering lenders offerings. He managed to secure an excellent rate with one lender, the valuation of my property was assessed dramatically lower than expected, so he immediately secured a very good rate with an alternate lender with a higher valuation. Before we switched Mitch advised me to use the very good rate as leverage with my current lender who dropped their rate below the competitor to retain me as a lender. I'll keep working with Mitch in the near future and I trust him to provide me with the best options and work with my best interests at heart.
Walters NkemfackWalters Nkemfack
06:35 05 Sep 22
Thank you so much Mitch for all your hard work! You took the bulk load of the entire process and at the same time kept us informed and guided us through all the way to the end. Our sucess is because of your industry knowledge and attention to detail. To top it all off, you were of genuine character who we enjoyed communicating with!
Nicole CampbellNicole Campbell
08:48 11 Jul 22
We are so thankful for both Mitch and Dav professionalism in getting us a home loan.Mitch went above and beyond to obtain the loan for us. He was there with us every step of the way and kept us informed constantly throughout the loan process.We will now have all our dreams come true and have a family home out on property. We appreciate both Mitch and Dav hard work in getting us there. Would highly recommend. Thanks again from the Campbells.

Need help?

Frequently Asked Questions

Yes, refinancing may still be possible even if you have bad credit. While it can be more challenging, we have access to lenders who specialise in assisting borrowers with less-than-perfect credit histories. We can help assess your options and find suitable solutions tailored to your circumstances.

The amount you can save by refinancing your home loan depends on various factors, such as the current interest rates, the remaining term of your loan, and the specific terms of your new loan. Our mortgage brokers can provide you with a detailed analysis of potential savings based on your individual situation.

Refinancing may involve certain costs, such as loan establishment fees, discharge fees, and valuation fees. However, the potential savings and benefits of refinancing often outweigh these costs. We’ll provide you with a transparent breakdown of all associated fees and help you evaluate the overall financial impact of refinancing.

Yes, you can refinance your home loan even if you’re still within a fixed-rate period. However, there may be break costs or early termination fees associated with ending your fixed-rate loan prematurely. We’ll assess the financial implications and guide you through the decision-making process.

The refinancing process can vary depending on several factors, including the complexity of your financial situation and the responsiveness of the lenders involved. On average, it can take anywhere from a few weeks to a couple of months. Rest assured, our team will work efficiently to minimise any delays and keep you informed throughout the process.

In most cases, lenders require a property valuation as part of the refinancing process to determine the current market value of your property. This valuation helps them assess the loan-to-value ratio (LVR) and ensure that the property’s value aligns with the loan amount. We’ll guide you through the valuation process and provide any necessary assistance.

Let's Find Your A Better Mortgage Deal, Today!

Contact us today for a free mortgage review with an expert

We offer no obligation advice on your specific circumstances and can review your current offer against others on the market. We can also calculate how much refinancing your property will (or won’t) save you so you can have peace of mind.

Call 0411 235 798 or fill out the form below.

We are a member of the Mortgage & Finance Association of Australia (MFAA).

Get in touch

Request a call back from a lending specialist. 

Book your free discovery call directly using the link below, or complete our contact form and we will be in touch.

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We help our clients achieve their property dreams. we’ll take the time to understand your goals and aspirations, with your financial welfare front of mind.

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