Still on the same home loan you signed up for years ago?
You might be paying more than you need to — and your bank is quietly counting on you not switching. We'll compare 30+ lenders, run the numbers honestly, and tell you whether refinancing is actually worth it for you.
No cost to you • No obligation • Honest advice — even if the answer is 'stay put'
The 'loyalty tax' is real.
Most Australians never review their home loan after they sign. Lenders know this — which is why the deal they offer new customers is often better than the one they're giving you right now. A 15-minute conversation could tell you whether you're paying a few hundred dollars more each month than you should be, or whether sitting tight is genuinely the smart move. Either way, you'll know.
How a refinance check actually works.
A 15-minute conversation.
We look at your current rate, loan structure and what you want out of the move — better rate, lower repayments, equity, or all three.
We benchmark you against the market.
We compare your loan to 30+ lenders and show you, in plain numbers, what switching would actually save — minus any switching costs.
Switch, or stay.
If it's worth it, we handle the whole switch end-to-end. If it isn't, we'll tell you. No pressure either way.
Refinancing for every kind of borrower.
Rate shoppers.
Owner-occupiers who haven't reviewed their loan in 2+ years — usually the biggest wins live here.
Equity unlockers.
Use the equity in your home for a renovation, an investment property deposit, or to consolidate higher-interest debt.
Investors.
Restructure across multiple properties for better cash flow, tax position and serviceability.
Self-employed and complex income.
We know which lenders are flexible on income type, documentation and how they assess your business.
Why borrowers refinance with us.
We'll tell you the truth.
Sometimes switching makes sense. Sometimes it doesn't. We won't push a refinance just to earn a commission — we'll show you the maths and let it speak.
We do the heavy lifting.
Applications, valuations, discharge paperwork, conveyancer coordination — we manage all of it. You sign two things and we drive the rest.
We move fast.
Most of our refinances settle within 3 to 6 weeks. You'll know exactly where things are at the whole way through.
It costs you nothing.
The new lender pays our commission at settlement — you don't.
What our refinancing clients say
"Having Samuel from Amica Finance as my mortgage broker made my entire first home buyer experience so smooth - he's extremely knowledgeable, responsive, and able to simplify into simple steps what I thought would be a very complex, difficult process. Couldn't r…"
Ben Hagan
"Sam and Amica Finance have been fantastic throughout our mortgage journey. Sam is knowledgable and goes above and beyond at every possible juncture. He is proactive in seeking the best deal and his communication is excellent!"
Jack Woodley
"Sam was incredibly helpful during my home loan process. Thanks to Sam I was able to get a loan that allowed me to buy the place I wanted. His quick responses and personal touch helped to smooth over any bump in the road and he was able to explain the complexit…"
Josh Konopka
Frequently asked questions
Find out if you're on the wrong loan in 15 minutes.
Book a free refinance check. We'll compare your current loan against the market and tell you straight — switch, or stay.
Or call us on 0417 218 599.