Keystone Home Loans

Refinance Home Loan

Advice on refinancing your current debts to get a better deal.

No Obligations

MFAA Full Member badge for Phillip Bui, Keystone Home Loans
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5.0 Stars Based on 48 user reviews

Why refinancing is important

When people contact us to refinance, the number one thing on their mind is getting a lower interest rate to reduce their home loan repayments. Some people are simply financially savvy and want a better deal and others are under financial strain where every dollar saved on interest helps!

It's important for all mortgage holders to review their home loan interest rate (and all other debts), every one to two years as banks run a profitable business and increase their variable interest rates as they please (it's not always tied to an RBA rate increase)!

As a Keystone Home Loans client, we keep reviewing your rate after settlement and renegotiate where we can, because we want every client on the best deal we can get them.

As mortgage brokers, we advise you on how to better structure all you debts (home loan, car loan, personal loans, credit card debt etc.) to reduce your overall interest repayments and fees each month. Usually this is by rolling most debts into your home loan.

Simply book a free call with Phillip if you'd like to understand your options.

With relationships with 50+ banks and lenders, clients across Sydney and New South Wales, strong knowledge of banking policies and efficient, friendly service, you will feel in safe hands.

Best of all, we don’t charge you a fee to use our service as we are paid by the lender when your home loan settles.

Modern living room with an armchair and dining area
Laptop and coffee on a desk, ready to review a home loan

How refinancing can help

Reviewing your financial situation with a view to refinancing to a new lender comes with benefits:

Get a lower interest rate

Lower your monthly repayment by moving to a sharper rate. Not sure whether fixed or variable suits you better, or want to lock in a rate before it moves? We'll explain what that means for your refinance.

Have a more flexible loan structure

Restructure with an offset account (a transaction account that reduces the interest charged on your loan) or redraw.

Consolidate your existing debt

Roll credit cards, car loans and personal loans into the home loan to simplify and reduce monthly cost.

Accessing extra funds

Release equity to renovate, buy an investment property or invest in shares.

You should consider refinancing if you

Have a home loan and other debts like a car loan, credit cards or personal loans.
Hear of other people getting a better interest rate or deal than you.
Are preparing to buy an investment property within the next year.

Need to buy your next home before selling your current one, where bridging loans may help.

Need a small amount of money to pay for some home renovations.
Our Process

Steps to refinancing

A simple process. You speak to Phillip at the start and he manages the paperwork through to settlement.

Free, no-obligation chat

Phillip will get a clear picture of your current loan, debts, income and what you want over the next three to five years. No paperwork at this stage. Just a conversation about whether refinancing make...

Compare 50+ lenders

We check the rate and product against 50+ lenders, factor in your LVR (the loan amount as a percentage of the property value), and run the numbers including break costs and discharge fees. If you're r...

Present your options

We walk you through two or three options: rate, comparison rate, fees, repayments and total cost side by side. You choose.

We handle the application

We prepare the application, order valuations, and deal with the back-and-forth on documents and serviceability (the lender's check that you can afford repayments).

Testimonials

See what clients say about our service

Google

5.0 Stars

Based on 48 user reviews

Darren W.

Darren W.

“Refinanced through our mortgage broker and couldn’t be happier. Phillip secured us a great interest rate, helped consolidate our loans, and ended up saving us a heap of money each month. Everything was explained clearly and the process was smooth from start to finish. Highly recommend.”

Michael D.

Michael D.

“Phillip was amazing. Not only did he help us find the loan we desired, he was proactive with our conveyancer, the bank and all other parties involved to make sure we had our i's and t's, ticked and crossed. As a first home buyer this was invaluable. Thankyou Phillip for helping us with our first home.”

Julie H.

Julie H.

“Phillip was great to work with! Helped us with refinancing and obtaining the best rate in the market. He was very efficient and made the whole process very easy. Would recommend him to anyone looking for a mortgage broker.”

Work with Phillip, your Sydney refinance broker

  • Phillip Bui is the Founder and Principal Mortgage Broker of Keystone Home Loans.
  • Accredited Mortgage Broker and Full Member of the Mortgage & Finance Association of Australia (MFAA).
  • Access to 50+ lenders, with a free, no-obligation consultation.
  • Credit Representative Number 564704 is authorised under Australian Credit Licence Number 384704.
  • Based in Arncliffe, NSW, helping clients across Australia and overseas.

Frequently Asked, Clearly Answered

There are usually four costs to budget for:

  • Discharge fee from your current lender (typically $300-$400)
  • Settlement fee on the new loan
  • Property valuation (often free, sometimes covered by the new lender)
  • Government charges to register the new mortgage

Many lenders offer cashback that covers most or all of these. We'll show you the net cost before you commit.

Typically three to six weeks from application to settlement, depending on the lender and how quickly the valuation comes back.

A refinance application creates a credit enquiry, which can dip your score temporarily. Approved loans paid on time rebuild it quickly. We only submit one application, to the lender that fits you best.

Most lenders want you at or below 80% LVR to avoid lenders mortgage insurance on the new loan. Above 80% is possible, but the maths needs to work.

Yes. We work with lenders who assess self-employed income properly, including options that use one year of financials or BAS statements.

Depends on your goals and how much certainty you want. Splitting part fixed and part variable is common. We'll talk through what suits your situation rather than guess at where rates go next.

No. The lender pays us a commission when your loan settles. There's no fee to you, and we put what we're paid in writing.

Looking for a broker near you? Meet your local Sydney mortgage broker.

Work with Phillip, your Sydney mortgage broker

He’s here to guide you personally through every step, comparing 50+ lenders so your loan process is smooth and stress-free.