Time to Refinance? Same house. Smarter strategy.

Whether you’re adding value or optimising, we ensure your loan is working as hard as you are.

Your home loan shouldn’t sit quietly in the background while your life moves forward.

Whether you’re renovating, building, consolidating debt, accessing equity, or simply wondering if you could be paying less, refinancing can be a powerful way to realign your loan with your goals.

At Indigo Finance, we don’t just look for a lower rate — we look at the bigger picture. We assess your current structure, future plans, and lender options to ensure your loan is working for you, not against you.

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WHY review your home loan?

Many homeowners assume once their loan is set up, it’s done. But interest rates change, property values shift, and your goals evolve.

Refinancing may help you: 

Secure a more competitive interest rate

Improve your loan structure and flexibility

Reduce your repayments or overall interest costs

Remove outdated loan features or fees

Access equity for renovations or investments

Consolidate higher-interest debt

A review every 2–4 years is often worthwhile, especially if you haven’t checked your rate recently. 

WHY AN Indigo Lending Adviser?

Going directly to your bank limits you to their products. We compare over 60 lenders to find options that genuinely suit your situation.

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More importantly, we ask the right questions:
  • Does refinancing actually make sense after fees?
  • Should you restructure while you’re at it?
  • Will this support your future borrowing plans?

And there’s no cost to you; we’re paid directly by the lender you choose.

THE PROCESS OF refinancing

Refinancing is often simpler than people expect. Here’s how it works: 

Step 1

Loan Review

Step 1

Loan Review

We assess your current rate, structure, and remaining balance — and compare it to what’s available in the market.

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Step 2

Equity & Strategy Assessment

Step 2

Equity & Strategy Assessment

We determine how much equity you have and whether accessing it aligns with your goals.

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Step 3

Application & Approval

Step 3

Application & Approval

We manage the new application, documentation, and lender negotiations on your behalf.

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Step 4

Discharge & Settlement

Step 4

Discharge & Settlement

Your old loan is paid out, and your new loan takes its place — often with improved terms.

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Step 5

Ongoing Review

Step 5

Ongoing Review

We remain your lending partner, reviewing your loan as your circumstances change.

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ADDING VALUE BY renovating or building?

If you’re adding value to your home, refinancing may allow you to:
  • Access equity to fund renovations
  • Refinance into a construction loan
  • Consolidate renovation-related debt
  • Improve your overall structure before building

Proper planning before construction begins is critical.

HOW MUCH equity do I need?

As a guide, lenders generally allow you to borrow up to 80% of your property’s value without Lenders Mortgage Insurance.

For example:
  • If your home is worth $1,000,000, 80% equals $800,000.
  • If your current loan is $500,000, you may potentially access $300,000 (subject to servicing).

We assess both equity and income to confirm what’s possible.

Test out our calculators

Explore what may be possible:
  • Loan Repayment Calculator
  • Borrowing Capacity Calculator
  • Home Loan Offset Calculator
  • Interest Only Mortgage Calculator
  • Stamp Duty Calculator

Our team can walk through the numbers with you to determine whether refinancing is worthwhile.
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Frequently asked questions

No. We’re paid by the lender you choose, so there’s no cost to you for our service.

Typically 2–6 weeks depending on the lender and documentation.

There can be discharge fees, new application fees, or break costs if you’re on a fixed rate. We assess these upfront to ensure refinancing makes sense.

Yes — rising property values may increase your accessible equity.

Yes. Refinancing is an opportunity to adjust your rate type if it suits your goals.

Is it time to break up with your bank?

Loyalty isn’t always rewarded in banking.

If you haven’t reviewed your loan in the last few years, there’s a good chance it could be working harder for you.

Book a Discovery Call with an Indigo Lending Adviser and let’s see if your loan is still the right fit.

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