is your HOME LOAN STILL WORKING for you?

Interest rates change. Banks change. Your circumstances change. So why stick with the same home loan forever?

At Edgewater Finance, we help homeowners take control of their mortgage by reviewing and refinancing their current loans. Whether you're chasing a better rate, consolidating debt, or unlocking equity — we'll tailor a solution that suits your life now, not five years ago.

when should you REFINANCE?

Here are some signs it might be time:

It’s been 2+ years since you reviewed your mortgage
You’re paying more than 6% interest
You want to renovate or invest
You have credit card or personal loan debt
You’re out of a fixed rate period
Your financial situation has changed recently

why REFINANCE your home loan?

Refinancing isn't just about chasing a lower rate (though that’s a good start). It's about aligning your loan with your current financial goals.

01

Lower Your Interest Rate

Don’t pay more than you have to. A small rate cut can save thousands over the life of your loan.

02

Access Equity

Use the equity in your home to renovate, invest, or fund major expenses — without selling.

03

Debt Consolidation

Simplify your finances by rolling personal loans or credit card debt into your home loan.

04

Switch Loan Types

Move from a variable to a fixed rate (or vice versa) to suit changing market conditions or your budget preferences.

05

Get a Loan That Works for You

Your loan should fit you. We’ll find lenders and structures that match your situation today — especially if you’re self-employed, a growing family, or planning for retirement.

how refinancing works with EDGEWATER FINANCE

We Review Your Current Loan

We’ll assess your current mortgage and run the numbers to see if you could be getting a better deal.

We Compare the Market

We access a panel of over 40 lenders to find the right options. Not just the big banks — but credit unions, specialist lenders, and competitive newcomers.

We Handle the Paperwork

No more endless forms or back-and-forth with banks. We handle the entire refinance process for you, end to end.

End-to-End Support

Once approved, your new loan pays out the old one — and you enjoy lower repayments or better features from day one.

why choose EDGEWATER FINANCE?

Small Enough to Care - We're not a bank or a corporate machine. We're a boutique brokerage that puts clients first — with personal service and honest advice.

Experienced with Complex Situations - Self-employed? Multiple properties? SMSF involved? No problem — we know how to get results even when the banks say "too hard".

Strategic Refinancing Advice - It’s not just about the rate — we consider tax outcomes, offset accounts, redraw flexibility, and long-term goals.

Ongoing Support - We don’t disappear after settlement. We check in regularly to make sure your loan remains competitive as the market shifts.

FAQs - ABOUT REFINANCING

Will refinancing save me money?

In many cases, yes. If you’re currently paying a higher interest rate than what’s available on the market, refinancing can reduce your monthly repayments — sometimes by hundreds of dollars per month. But it’s not just about rate. We’ll also look at fees, loan features, and your long-term goals to make sure refinancing genuinely benefits you.

Are there any costs involved in refinancing?

Yes, there can be. Typical refinancing costs include discharge fees from your current lender, application fees with your new lender, valuation fees, and possibly government charges. But don’t stress — we’ll run the numbers upfront to ensure any cost is outweighed by your savings or benefits.

How long does the refinance process take?

On average, refinancing takes between 2–4 weeks from initial review to settlement. We’ll keep things moving and update you every step of the way, so there are no surprises.

Can I refinance if I’m self-employed?

Absolutely. In fact, we specialise in helping self-employed clients who often get knocked back by traditional lenders. We work with lenders who understand business owners and assess income in more flexible ways.

Will refinancing hurt my credit score?

Refinancing itself doesn’t damage your credit score, but multiple loan applications in a short time can. That’s why we don’t shotgun applications. We carefully assess your situation, match you with the right lender, and submit one strong application to improve your chances.

Can I refinance if I have bad credit?

Yes — though your options may be more limited. We have access to specialist lenders who work with clients with poor credit histories. If there’s a way forward, we’ll find it.

Can I refinance to consolidate my debts?

Yes. Many people refinance to roll credit cards, personal loans, car finance or tax debts into one lower-rate home loan. This can simplify your finances and reduce your overall monthly repayments — but it’s important to do it strategically, so you’re not just dragging out short-term debt for longer than necessary.

let’s find the right HOME LOAN for you

Whether you’re just starting to look or ready to apply, we’ll give you honest answers and clear options.

+61 410 530 204

admin@edgewaterfinance.com.au

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Refinance Your Home Loan