Features vary between lenders and products. We help you choose what fits your goals.
Already paying off a loan? Your rate, features and structure may no longer suit you. We compare 30+ lenders, check the real cost of switching and handle the paperwork, so you only move if it genuinely makes sense.
Many borrowers stay with the same lender for years without checking if their loan is still competitive. Rates change, lenders compete for new customers, and your own circumstances shift too.
Refinancing means replacing your current home loan with a new one. Done well, it can lower your rate, reduce your repayments, free up equity or bring your debts together. Done poorly, fees and break costs can cancel out the benefit.
That’s why we review your loan, calculate the real cost of switching and compare 30+ lenders. If refinancing will help, we’ll show you the numbers. If it won’t, we’ll tell you. Once you decide to go ahead, we handle the paperwork and both lenders through to settlement.
A lower rate doesn’t always mean a better deal. Before you switch, it’s worth weighing up the costs of moving. Your current lender may charge a discharge fee when you close your loan, and if you leave a fixed-rate loan before the term ends, break costs may apply as well.
We calculate all these costs against your potential savings and give you a clear answer on whether refinancing makes sense, before you commit to anything.
Powerful Features to Support Your Refinancing Goals
Refinancing is more than a lower rate. Here is what we look at when reviewing your loan.
See how your loan compares with other options.
Choose certainty, flexibility or a mix of both.
Cut interest while keeping your savings accessible.
Unlock equity for renovations, investment or other goals.
Combine credit cards and other debts into one loan.
Adjust your term or repayment type to suit your needs.
Features vary between lenders and products. We help you choose what fits your goals.
Why Choose LL Global Group?
Honest advice on whether switching is worth it, and support all the way through.
Access to a wide network, so you can compare real options.
We tell you upfront if refinancing is worth it.
Loan plans built around you, not one-size-fits-all products.
We manage the application and both lenders for you.
We understand the Sydney property market.
You’re never stuck with an outdated deal.
Help long after settlement.
Most lenders look for the following when you refinance.
You must be at least 18 years old.
You currently have a home loan or investment loan.
A steady income and employment history.
Recent repayments made on time.
Enough equity in your property, with many lenders preferring at least 20%.
A satisfactory credit history.
Lending criteria vary between lenders. Even if you don’t meet every point, speak with our team, as options may still be available.
Having these ready helps us compare lenders and move quickly.
Australian driver's licence, passport, or other accepted identification.
Recent payslips, employment details, tax returns, or financial statements, depending on your circumstances.
Statements showing your income, savings, and financial commitments.
Details of existing loans, credit cards, investments, savings, and other assets.
Usually the last 6 months.
Proof of any other debts you want to consolidate
Business financial statements, residency documents, or other supporting evidence where required.
Not sure what applies to you? Our team will tell you exactly what to gather.
Ready to buy, upgrade or refinance? Book a free, no-obligation consultation with Ricky and the team. Visit us at B6/406 Marion St, Condell Park, or call us Mon-Sat, 7:00am-5:00pm.
There’s no fixed timeframe. Common triggers include a rate rise or fixed term ending, a change in your income or goals, a significant increase in your property’s value, or simply not having reviewed your loan in a few years. We’ll check whether the savings outweigh the costs.
Costs depend on your current lender and the new one. They can include discharge fees, break costs if you’re leaving a fixed rate early, and settlement or application fees. We’ll calculate these upfront so you know exactly where you stand.
A new loan application involves a credit check, which may cause a temporary dip in your score. Making repayments on time afterwards can help your score recover. We’ll limit unnecessary applications by choosing suitable lenders first.
Yes. If your property has increased in value or you’ve paid down your loan, you may be able to access some of that equity for renovations, investing or other purposes, subject to lender approval.
Timeframes vary by lender and how quickly documents are provided, but the process often takes a few weeks from application to settlement. We keep you updated at each step.