Refinance without the guesswork

Whether it’s for renovations, debt consolidation or a fresh financial start, we help you make the most of your home loan with clear advice and flexible options.

Why choose
Valet Mortgage Brokers for refinancing?

It's not just about getting a better rate.

Yes, we can probably get you a better rate. But that's often not the real reason to refinance.

The real opportunity is using your home's equity to improve your overall financial position. That equity is money that's already yours. Whether that's consolidating debts, accessing cash for life changes, or simply giving yourself more breathing room.

What most people don't realise

Your equity is your money. Whether you put cash into your property or it's grown through capital gains, that difference between your loan balance and your home's value belongs to you.

Many people don't realise how much equity they've built up, or how to access it strategically. We help you understand what's available and whether it makes sense to use it.

How we can help

  • Multiple credit cards, personal loans, and car payments can eat up thousands each month. We often save clients $2000+ per month by rolling these into their home loan at a much lower rate.

  • Starting your own business, managing a career change, or dealing with unexpected expenses. Your home's equity can provide the financial buffer you need.

  • Kitchen renovations, extensions, or major repairs. Using your equity is often smarter than personal loans or credit cards.

  • Offset accounts, redraw facilities, or simply a loan structure that better suits how you actually live and manage money.

Your refinance journey

Making your money work harder for you

1. We review your current situation

We start by understanding your existing loan, other debts, and what you're hoping to achieve. Whether it's reducing monthly payments, accessing equity, or just getting better features.

2. We calculate what's possible

Based on your property's current value and loan balance, we work out exactly how much equity you could access and what that means for your options.

3. We explore your options

This is where it gets interesting. We'll show you different scenarios — from simple rate improvements to debt consolidation to accessing cash for your next big move.

4. We find your perfect match

With access to 60+ lenders, we compare real options and recommend the one that fits you best. Not just the lowest rate.

5. We handle the switch

We handle the paperwork, liaise with the lender, and keep things moving, so you don't have to chase.

6. We're here for the long haul

We check in post-settlement, and stay in touch well beyond. Whether it's reviewing your rate or just saying hi, we're always a text or call away.

“We worked with a client who thought he needed a better home loan. His mortgage repayments were fine, but between credit cards, personal loans, and other debts, he was paying nearly $10,000 a month and barely staying afloat.

By consolidating everything into his mortgage, we freed up over $2,000 per month in cash flow.”

Start your lending journey

Mon–Fri: 9:00am–4:00pm

Sat: 9:00am–12:00pm

Closed Sunday and public holidays

We make finding the right loan simple and stress-free. Tell us what you need, and we'll handle the rest.