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“Most services introduce you and step away. We stay involved to make sure it actually works.”
- Thomas Rochford
Co-Founder of EMMA Mortgage Match
Refinance with clarity and confidence
What is refinancing?
Refinancing means replacing your current home loan with a new one, either with a different lender or your existing one, to get a better rate, access equity, or improve your loan structure.
When should you refinance?
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Your interest rate is no longer competitive
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You want lower repayments
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You need to access equity
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Your situation has changed (income, goals, investment plans)
How much can you save by refinancing?
Even a small rate reduction (e.g. 0.5–1%) can save thousands per year depending on your loan size.

What does it cost to refinance a home loan?
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Discharge fees ($150–$400 typical)
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Government fees (state-based)
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Application/valuation fees (sometimes waived)
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Cashback offers may offset costs
Common refinance questions
Is refinancing worth it in Australia?
Yes, refinancing can reduce your interest rate, lower repayments, or help you access equity. The benefits depend on your current loan, fees, and financial goals.
How long does refinancing take?
Most refinance applications take 2–6 weeks, depending on the lender and your situation.
Does refinancing cost money?
Some lenders charge discharge or application fees, but many refinance deals include cashback or fee waivers.
Will refinancing affect my credit score?
A refinance involves a credit check, but a well managed refinance generally has minimal long-term impact.
Can I refinance with the same bank?
Yes, this is called an internal refinance or repricing. A broker can help negotiate a better rate with your current lender or compare alternatives.
How often can you refinance a home loan?
You can refinance as often as it makes financial sense, but fees and loan terms should always be considered.
We’ll match you with someone like this
We work with a small group of experienced Perth brokers, selected for their ability to deliver the right outcome, not just any loan.

Liz
Experienced, practical, and focused on getting results

Jemma
Friendly, clear, and great at guiding clients step by step

Thomas
Calm, knowledgeable, and easy to work with
We’ll match you with the broker best suited to your situation.
5.0 rating from happy clients
"Had a fantastic experience with EMMA Mortgage Match. They connected me with a great broker who really understood my needs, explained everything clearly, and made the whole process stress-free."
How Emma works in 3 simple steps
Get started in under 60 seconds.
Tell us about your situation
Share a few quick details so we understand what you need.
01
We match you with the right broker
Based on your situation not just who’s available.
02
Move forward with confidence
Your broker guides you from start to finish.
03
Free · No obligation
Common questions we get asked
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