Refinancing Home LoanSolutions
We understand that refinancing your home loan can be a valuable and clever move to improve your financial situation. If you want to reduce your monthly instalments, reduce your loan period or access your home's equity, we are here to guide you through the procedure without any issues.
Why Choose Us?
Expert Guidance
12+ years experience
50+ Lenders
Best rates guaranteed
Fast Processing
Fast pre-approval
Refinancing Home Loan Solutions
What We Offer
Comprehensive refinancing home loan solutions tailored to your needs with expert guidance and competitive rates
Lesser Home Loan Interest Rate
Get competitive rates from our extensive lender panel to maximize your savings.
Enhanced Loan Terms
Flexible loan terms designed to match your financial situation and goals.
Consolidate Debt
Consolidate high-interest debts into your mortgage for better financial management.
Switch Loan Types
Easily switch between fixed and variable rates as market conditions change.
Home Loan Calculator
Use our advanced tools to calculate potential savings and loan scenarios.
Refinance Home Loan Rates
Get competitive rates from our extensive lender panel to maximize your savings.Access current market rates and compare options from multiple lenders.
Why Refinance Home Loan?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
Lesser Home Loan Interest Rate
This is one of the most valuable advantages of refinancing home loans. Reducing the home loan interest rate can help you save a lot of money over your life. A lesser refinance home loan interest rate can lower your monthly payments, allowing you to spend the money saved on some other expense.
Enhanced Loan Terms
Refinancing provides a chance to make small changes to the terms of your home debt to suit your present financial situation. You may want to choose a shorter term to complete the loan as early as possible.
Consolidate Debt
Combining a higher-interest loan with your mortgage through refinancing can improve your financial management and potentially reduce your interest expense.
Switch Loan Types
This allows you to shift from fixed to variable or vice versa, from which you can select what suits your situation.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationHow to Refinance Your Home Loan?
Simple, transparent steps to get your refinancing home loan approved with expert guidance every step of the way
Calculate Your Present Loan
Assess your current loan balance, interest rate, and remaining term to understand your starting point and potential savings.
Use Our Home Loan Calculator
Use our advanced calculator to estimate potential savings and analyse how refinancing can affect your monthly payments and loan terms.
Check Your Options
We compare rates from 50+ lenders to find the best refinancing options tailored to your needs and financial goals.
Submit Your Request Application
We handle all the paperwork and guide you through the application process, ensuring everything is completed correctly.
Get Approval and Celebrate
Once approved, we ensure a smooth transition to your new loan terms and celebrate your improved financial position.
Frequently Asked Questions
Common questions about refinancing home loan answered by our expert team
My lender is charging me a higher home loan rate than I see advertised elsewhere. Can I change lenders?
This is exactly the reason why most people change lenders. There may be a penalty clause in your current home loan, meaning you may need to pay a discharge fee, but it could still be in your financial interests to change. When shopping around it is always important to look for the comparison rate of a product. A comparison rate is essentially the true rate, taking into account the fees and charges you will pay on the loan. So even though you see a lower rate it doesn't mean the repayments are less. Our loan advisors are able to take the hassle out of this for you. Why not contact us to be put in touch with best brokers? We have access to over 800 mortgage products from more than 50+ lenders
I have just come off a 'honeymoon' interest rate to a much higher rate. Can I move lenders or am I locked into my mortgage?
Although you can walk away from most mortgages, penalty fees sometimes apply. To consider your options, contact us today!
If I move my mortgage to a new lender, is there anything stopping that lender from increasing their rates in a few months time?
It depends what kind of product you have. If you're concerned about rising rates, perhaps you should consider a fixed rate home loan, where repayments are fixed for a period from 1 to 5 years
Why do some lenders charge more than others for lending the same amount of money?
Banks and other lenders pay different amounts for the money they on-lend to you, they have different overhead structures and different profit expectations. All these factors affect how much they charge to lend people money
What documentation do I need to refinance?
The last 3 – 6 months of mortgage statements is sufficient to begin this process. For more advice contact us now
Can I get a mortgage where I pay less than I'm paying now?
With lenders adjusting their rates outside of the reserve bank now is a great time to shop around check that you have the right loan for your needs, we are a great starting point. It will depend what interest rate you're currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan. Contact us today to get details on your options
Can I consolidate credit card or other debts into a home loan?
This is one of the reasons many people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans etc. Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments at their current level or you could end up paying more over a longer period of time. Speak with us today to discuss your personal needs
How much money can I borrow?
We're all unique when it comes to our finances and borrowing needs. Get an estimate on how much you could borrow with our clever loan options tool. Chat to us when you're ready, we can help with calculations based on your circumstances.
How do I choose the loan that's right for me?
Our guides section will help you learn about the major options available. There are variety of different home loans available. we can recommend the right loan(s) for you, so talk to our advisers today!
How often do I make home loan repayments?
Most lenders will provide you with flexible repayments option which will be better suit your pay cycle. We recommend a weekly or fortnightly repayment instead of monthly. This will enable you to make several payments within a year, which ultimately will save you money and time off your loan
What fees/costs are involved in switching mortgages?
Penalty fees could apply if you're paying off your current mortgage early, especially if you're exiting a fixed home loan. But these may be offset by repayment savings when you switch home loans. We will be delighted to assist you with any fees that will apply in your circumstances.
Still Have Questions?
Our expert team is here to help answer any questions you may have about refinancing home loan
Sumit Joshi
Senior Loan Advisor & Director
“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
- Vandhana Naidu
What Our Customers Say
Based on 331+ verified Google Reviews. Here's what our satisfied customers have to say about their experience with RyRo Loan Centre.
Vandhana Naidu
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond a..."
Emi Lia
"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! Helped us a..."
Rajnil Sharma
"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free. I apprec..."
SS
"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment l..."
Garima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went above and be..."
Info Nue Design Homes
"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of hi..."
Gopichand Paladugu
"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in ev..."
Naga Seramsetty
"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn't have ask..."
Andrew Napier
"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-free, and ..."
Kamal Raqba
"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right direction and prov..."
Adam Moffat
"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Sumit at RyR..."
Yash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process smooth, s..."
Praneet Singh
"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal with if I..."
Sudhir Sehgal
"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Australia I h..."
Chloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always made time ..."
Suvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for any home ..."
Alex
"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two later, he..."
Jay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highly knowledg..."
Manjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of the way, ..."
Tyler Howard
"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straightforward...."
“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
Vandhana Naidu
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