✦ Refinancing

Stop overpaying. Switch and save.

If you haven't reviewed your home loan in the past 2 years, there's a good chance you're paying more than you need to. We make switching simple - and free.

The Australian lending market is highly competitive, and lenders routinely offer their best rates to new customers while existing borrowers quietly pay more. Refinancing is one of the most powerful financial moves you can make - and with StepUp Wealth, the entire process is handled online, at no cost to you. We compare 40+ lenders to find a better deal, then manage the switch from start to finish.

What We Offer

How we help you succeed

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Rate Reduction Analysis

We compare your current rate against the full market and quantify exactly how much you could save by switching - in dollars, not just percentages.

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40+ Lenders Compared

We're not tied to any single lender. We search our full panel to find the most competitive rate and features for your remaining loan term.

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Break Cost Assessment

If you're on a fixed rate, we calculate your break costs upfront so you know whether refinancing still makes financial sense.

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Loan Structure Review

Beyond rate, we review your loan structure - offset accounts, redraw, split loans - to ensure your loan is working as hard as possible for you.

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Full Switch Management

We handle all the paperwork, lender communications, and discharge of your old loan - you just review and sign.

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Annual Loan Reviews

We proactively review your loan every year to ensure you're always on a competitive rate - not just at the time of refinancing.

The Process

How it works, step by step

Free Rate Review

Share your current loan details and we'll run a full market comparison - showing you exactly what's available and what you could save.

Lender Selection & Application

We select the best lender for your situation, prepare your application, and submit it on your behalf.

Approval & Settlement

Once approved, we coordinate the discharge of your old loan and settlement of the new one - a seamless transition.

FAQ

Common questions answered

It depends on your current rate, loan balance, and remaining term. As a guide, saving 0.5% on a $600,000 loan saves approximately $3,000 per year. We'll calculate your exact savings during a free rate review.

There can be - discharge fees from your current lender ($150–$400), government fees, and potentially break costs if you're on a fixed rate. We factor all of these into our analysis so you know the true net benefit before proceeding.

Typically 2–4 weeks from application to settlement, depending on the lender. We'll give you a realistic timeline once we've assessed your situation.

A credit enquiry is made when you apply for a new loan, which can have a minor short-term impact. However, this is generally outweighed by the long-term financial benefit of a lower rate. We minimise unnecessary enquiries by only applying to the most suitable lender.

Yes, in many cases - though you may need to pay LMI again, or qualify for a specific lender's policy. We'll assess your equity position and advise on the best approach.

Also Available

Explore our other services

Ready to get started?

Book a free, no-obligation strategy call. We'll review your situation and map out the best path forward.

No credit check. No obligation. 100% online.