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2022 Mortgage Professional Australia Magazine Top Brokerages (AUS) - Axton Finance #40
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2022 Connective Excellence Award VIC/TAS Brokerage Of The Year
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2022 Connective Excellence Award VIC/TAS Rising Star - Luke Rowland
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2022 Connective Excellence Award All Round Broker Of The Year VIC/TAS - Clinton Waters
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2022 The Adviser Australian Broking Awards - Newcomer Of The Year - Luke Rowland
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2022 Mortgage Professional Australia - Top 25 Rising Star Award - Adam Piper
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2022 Mortgage Professional Australia - Top 25 Rising Star Award - Luke Rowland
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2019 Mortgage Professional Australia Top 100 Brokers - Ranked 46 in Australia - Clinton Waters
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Refinance Home Loans and Mortgages

Are you paying too much on your home loan or unsure if your old rate remains competitive? You may be able to save thousands on your annual interest bill and improve your monthly repayments by refinancing your mortgage to a better rate with more flexible terms. As a bonus, you might even be eligible for a few thousand dollars via a cashback offer from your new lender. Axton Finance help identify tailored options suited to you and do all the heavy lifting to make it happen smoothly.

FREE LOAN HEALTH CHECK

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.

Can I get a cash-back on my home loan refinance

In recent times many banks and lenders have been enticing borrowers to refinance their home and investment loans by offering enticing cash-back benefits at settlement ranging from $1,000 to $4,000. While this may appear quite enticing on the surface it’s worthwhile to look at the bigger picture because as the saying goes there is no such thing as a free lunch.

The best way to work out which cashback offers may be suitable for you is to contact the team at Axton Finance who will compare refinancing costs and benefits using our industry-leading software. We are highly experienced, reliable and have access to over 30 major banks and lenders to seek out solutions tailored to your needs.

How do I know if I need to refinance my home loan?

In a rising rate market, more than ever is it important to keep a regular eye on your current interest rate to ensure that it is remaining competitive. You can bet your bottom dollar that your current lender is unlikely going to tell you that there might be a cheaper rate out there that may be more suitable and thats where our difference comes into play.

As a client of AXTON our systems ensure annual reviews of your structure that ensure your loan remains competitive and we work in the background to ensure we needle your current lender to ensure that your interest rate remains as competitive as possible.

How often can I do this?

There is no actual limit on how many times you can refinance but we help advise you when its in your best interest to do so. As easy as we make the process to refinance there are some practical limitations and the saving needs to be reasonable to warrant a change. This is a process we help navigate for you from start to finish.

Find out exactly how much money you could save

Find out exactly how much money you could save

Some lenders, comparison websites and online calculators may 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 in your best interest and provide a detailed summary of costs and savings.

FREE LOAN HEALTH CHECK

Refinance the right way. We'll help you make a confident decision without the noise.

Refinance the right way. We'll help you make a confident decision without the noise.

With hundreds 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, model some suitable options based on the information you supply us and usually arrange a free bank valuation if required. Following this, we usually approach your existing lender, giving them the chance to retain the deal by sharpening your interest rate before recommending you refinance your home loan. After all you only want to refinance if the savings can be clearly seen.

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Long term support to help you pay off your loan sooner

Long term support to help you pay off your loan sooner

When your refinance settles with Axton Finance it is not a case of case closed. Instead, we deploy leading-edge fintech software to review your loan every twelve months to ensure that it remains competitive in the market.

Imagine getting a call from us each year to say we reviewed, compared, and possibly improved your rate – all without you doing anything. This is of course unlikely to happen if you did this direct yourself with a major bank or lender!

Book an obligation free refinance review

At Axton Finance, we offer what the banks won't.

Banks
Vs
Axton Finance
Customers are treated like transactions
Customers are treated like people
Frustrating call centres and a revolving door of staff
A stable dedicated team to champion your approval
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

Helping property owners in Hawthorn, Camberwell, Malvern, Glen Iris, and beyond for over 10 years.

Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last. 

 Need proof that we are one of Melbourne’s best mortgage brokerages then don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing Axton Finance.

Get access to competitive rates
from leading lenders

At Axton Finance we have access to the best rates from all the leading lenders. You no longer have to rely on a DIY internet search from just the  ‘big four’ banks, our licensed brokers have access to over 30 lenders including hundreds of products and niche policies.

We Will always help secure a suitable approval with an ultra competitive rate to boot, no tricks – no dramas – we have the proven track record that you can trust

Select from over 30 different lenders offering hundreds of mortgage products

Frequently Asked Questions

Get In Touch With Us

A better rate and stress-free refinancing is only a click away.

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