Refinancing
Is your fixed rate expiring? Are rising interest rates putting pressure on your budget? Or do you simply feel like your lender isn’t giving you the best deal anymore? At Lightning Fast Finance, we’ll review your current loan, compare options from over 50 trusted lenders, and guide you toward smarter, more cost-effective refinancing—without the guesswork.
Why Refinance?
Refinancing your mortgage can help lower your repayments, reduce the total interest you pay, or unlock new features like flexible redraw or offset accounts. In many cases, borrowers are also eligible for cashback incentives from the new lender at settlement. With our expert guidance, you’ll clearly understand the trade-offs and find the option that delivers genuine value.
Use Your Equity to Work for You
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If you’ve built up equity in your home, refinancing could help you access those funds for renovations, investments, or debt consolidation. Most lenders prefer at least 20% equity, but even with less, we’ll assess your profile and match you with lenders open to more flexible terms. We tailor the strategy to your current position—not a one-size-fits-all approach.
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We Compare Offers, So You Don’t Have To
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From cashback offers to rate discounts, refinancing deals can look appealing on the surface—but not all are created equal. We use advanced industry tools to model your costs and savings across multiple lenders, providing full transparency. We’ll even give your current lender the chance to compete for your business before moving forward.
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Is Now the Right Time to Refinance?
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Refinancing isn’t about chasing every new deal—it’s about moving when it makes real financial sense. We’ll walk you through when it’s worth switching, what costs to expect, and how much you stand to gain. Whether it’s your first refinance or your fifth, our role is to keep your loan structure working in your favour.
Refinance Once—Stay Competitive Forever
At Lightning Fast Finance, refinancing is not a one-time transaction. We review your loan annually using our fintech tools and keep your rates competitive in the long run. If your lender raises rates or better deals appear, we’ll be the first to flag it—no need to chase or negotiate on your own.
Start with a Clear Plan
Expert Mortgage Advice
We believe refinancing should be empowering, not overwhelming. That’s why we begin with a conversation—not a sales pitch. Tell us about your current loan, and we’ll do the rest: from valuations and lender negotiations to a smooth handover, we’re here to make sure refinancing is truly worth it—for now and for the years to come.
