Refinance the right way.

Wondering whether a mortgage refinance is the right move for you? We'll review your situation and give you an honest, expert opinion.

Free mortgage advice. 

Submit your details and we'll be in touch to discuss your refinancing requirements.

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Find out exactly how much money you could save.

Some lenders, comparison websites and online calculators will overstate the cost-saving benefits of refinancing to get you through the door. At Axton, we believe in building honest, long-lasting relationships—not one-off transactions. Together, we’ll determine if refinancing your home loan really is the way to go and provide a detailed summary of costs and savings.

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We'll help you separate the signals from the noise.

With thousands of refinancing options available, you might be wondering: where do I begin? Before evaluating what our lender panel has on offer, we’ll talk through your current situation and arrange a free bank valuation if required. Following this, we chat to your lender, giving them the chance to sweeten the deal by sharpening your interest rate before recommending you refinance your home loan.

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Advice to help you reap the benefits of refinancing.

With a mortgage refinance, you can secure lower interest rates, shortened terms, switch from variable to fixed rates (and vice versa), tap into home equity, and consolidate debt. Spare yourself clunky maths calculations and leave the number crunching to our mortgage experts.

Get personalised mortgage advice,
fast approvals and leading rates.
Select from hundreds of mortgage products from over 25 different lenders
At Axton Finance, we offer what the banks won't.
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Confusing, convoluted advice
Considered, caring advice
Lender needs come before yours
Your needs and goals always come first
Application delays due to offshore credit lenders
Experienced mortgage experts located in Melbourne
Frustrating call centres and a revolving door of staff
A dedicated team to champion your approval
Customers are treated like transactions
Customers are treated like people
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Refinance Home Loans and Mortgages

Are you paying a high interest rate on your home loan? You can bring your monthly payments down by refinancing your first mortgage by negotiating a better deal with a lower interest rate. Axton Finance can help do all of the heavy lifting for you.

Using the equity in your home to refinance your home loan

On most occasions you will be required to have equity in your property before you are able to successfully complete this process. The general rule of thumb is 20 percent equity which is the yardstick that most banks and lenders will use. However, if you have a strong credit record and rating then it can be possible to do this without equity.

How to refinance your mortgage with no equity

The first step is to have a clean record when it comes to your payments and all of your other credit and debt payments and arrangements. Lenders are only going to consider this if you have a good credit rating so ensure all of your payments are up to date - preferably ahead. There are options available including taking up insurance, however this will make your repayments larger.

The best way to carry this process out without equity is to let a reputable mortgage broker like Axton Finance take care of this for you. We are well connected with over 25 banks and lenders and can seek out the best deal for you through our network and strong negotiation skills.

Can I refinance my mortgage with a poor credit score?

There are specialist lenders that will provide assistance towards this solution when your credit score is poor, but these options are limited and the rates may not be as favourable as you would hope. Let our team assist you in improving your credit score with a dedicated plan to take control and build up your rating so that you are more favourable in the eyes of lenders.

How often can I do this?

There is no limit to the amount of times you can carry this out, but it will always be dependent on your equity and your credit rating. We can advise you on the best times to take the next step, like when interest rates are lower, allowing you to get a better deal.

Get a better refinancing package today.
Submit your details and we’ll contact you for a personal discussion about your refinancing requirements.