Looking to refinance your loan? Cube can help
If you're looking to refinance your home loan, we can help you get the best rates, contracts and do the paperwork.
Or simply call us on 📞 1800 774 756
Your local team of refinancing specialists
1. Expert brokers on your side
Banks knock back home loan applications every day - often for reasons that could’ve been avoided. At Cube, you’ve got a team of 11 expert brokers on your side, each with their own area of specialty across home loans, investment lending, business finance and more. We’ll help you cut through the red tape and improve your changes of approval.
2. Tailored to your needs
Every loan is different, and what someone else needs is likely not what you need. We search 1000's of loan options to find the right loan for your needs, simply get in touch here.
3. We're here now, and later
Your home loan is an investment that requires ongoing maintenance, including regular check-ups to make sure you have the best home loan rates. We stay ahead of this for you.
4. Local experts, trusted by many
We’re proud to be a local team, with over 200 glowing Google reviews from people who’ve trusted us with their finance journey.
We help our refinancing clients by helping remove the stress - and helping you get a better deal. Simply contact Scott or Nevada today if you need help:
Scott Beattie
Founder/Co-Owner · Mortgage Broker
Scott loves helping First Home Buyers and helpings Australians save money through refinancin
Nevada Matthews
Co-Owner · Mortgage Broker
Nevada loves working with property investors and business owners
We compare loan options from over 60 leading lenders to find what suits you
✔ We do the loan rate shopping and negotiations
✔ Access to major banks and specialist lenders
✔ We simplify everything
Cube Loans are a multi-award winning brokerage
What is home loan refinancing and how does it work?
Home loan refinancing is the process of replacing your current mortgage with a new one—either through your existing lender or a new lender, usually to secure a better interest rate, access equity, or restructure your loan terms.
At Cube Loans, we guide you through comparing options that suit your financial goals. Once you choose a better loan, the new lender pays off your existing mortgage and you start repayments on the new terms. This can lead to savings on interest, lower monthly repayments, or greater financial flexibility.
When is the right time to refinance my mortgage?
Refinancing may be worth considering if:
- Your current interest rate is higher than what's available on the market
- Your fixed rate is about to expire
- You want to switch from a variable to a fixed rate (or vice versa)
- You’re planning to consolidate debt
- You need access to your home’s equity for renovations or investments
Our experienced brokers at Cube Loans can assess your current loan and advise if the timing is right based on your financial situation and the latest lending products.
What are the costs involved in refinancing a home loan?
While refinancing can save you money in the long run, there are some upfront costs to consider:
- Discharge fees from your current lender
- Application or establishment fees for the new loan
- Government fees such as mortgage registration
- Lenders Mortgage Insurance if your equity is below 20%
At Cube Loans, we help you calculate the total cost of refinancing to ensure the long-term savings outweigh any short-term expenses. In many cases, we can negotiate with lenders to reduce or waive some of these costs.
Will refinancing affect my credit score or borrowing power?
Refinancing can temporarily impact your credit score due to credit checks and loan enquiries. However, responsible refinancing, especially if it reduces your debt or improves your repayment terms - can positively influence your credit profile in the long term.
Your borrowing power might also be reassessed during the application process, particularly if your income or expenses have changed. Cube Loans ensures you're matched with lenders that suit your financial profile, helping to minimise any negative impact and strengthen your application.