Refinancing

Refinancing Your Home Loan

Smarter Rates. Better Terms. Real Savings.

Whether you’re refinancing to lower your interest rate, unlock equity, or restructure for greater flexibility, APW Finance makes the process seamless.
Our lending experts assess your current loan and future goals to secure smarter, more competitive refinancing solutions—bringing savings, clarity, and long-term financial confidence.

Quick Enquiry Form

Keep the Home. Change the Loan.

Key features of our refinancing solutions:

Lower Interest Rates

We compare dozens of lenders to find competitive rates—reducing your repayments and freeing up monthly cash flow.

Equity Access

Use your home’s increased value to fund renovations, investments, or consolidate high-interest debts into one smart loan.

Flexible Repayment Options

Adjust repayment terms to suit your lifestyle—switch between variable, fixed, or split-rate options with better features.

Loan Health Check

We assess your current loan structure, fees, and interest rate to ensure you’re getting the best value possible.

Refinancing Isn’t Just a Switch—It’s a Strategy

We help you restructure your mortgage to match your future goals.

Lowering Monthly Repayments

Refinancing to a better rate can significantly reduce your monthly outgoings. We help you compare, switch, and save—freeing up cash for lifestyle, investment, or future planning.

Accessing Equity

Your home’s value has likely grown. We help you tap into that equity to fund renovations, new property purchases, or big life moves—without needing to sell.

Debt Consolidation

Struggling with multiple debts? Roll them into one manageable home loan through refinancing. It simplifies payments and usually reduces your overall interest burden.

Your Perfect Loan Starts With the Right Partner

From paperwork to approval, we make your lending journey fast, smooth, and stress-free..

APW Finance – Refinancing FAQs

What is refinancing?

Refinancing replaces your existing mortgage with a new one—often to get a lower rate, better terms, or access to equity in your home.

Does refinancing involve fees?

Yes, there can be discharge fees, application fees, and valuation costs—but long-term savings often outweigh the upfront expenses. We help you evaluate if it’s worth it.

How long does the refinancing process take?

Typically 2–4 weeks, depending on documentation and lender processing times. APW Finance handles the paperwork to ensure a smooth transition.

When should I consider refinancing?

If it’s been over 2 years, your rate seems high, or your financial situation has changed, refinancing could help you save or unlock new benefits.

Can I refinance with bad credit?

Possibly. We work with lenders who offer refinancing options to borrowers with imperfect credit—subject to income, equity, and loan history.

Can I refinance to access equity?

Yes, refinancing allows you to borrow against the equity in your home for renovations, investments, or other financial goals—subject to lender approval.

314/20a Lexington Drive Bella Vista NSW 2153

+61 447 959 546

info@apwfinance.com