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At Inovayt, we help you find the best option at every stage of refinancing, from debt consolidation to getting a better interest rate.

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When was the last time you reviewed your mortgage?

If your answer was more than two years ago, you may be paying too much. Your finances should not be set and forget. We encourage our clients to refinance when the time is right or to consolidate their debt if the circumstances allow.

You should be looking to review your home loan every two years, or in any of the following circumstances:

  • You’re offered a pay rise and/or a new job
  • You have lost your job
  • You begin growing your family
  • Your children begin to support themselves financially
  • Increasing or decreasing property values
  • At the end of a Fixed Rate period
  • Interest rates change

Reviewing your mortgage often ends up in the ‘too-hard’ basket, but with our support, it’s really not that hard. If you don’t take the time to review it, you may be missing out on some great savings.

We want to help you find the best mortgage for your individual needs.

Debt consolidation

Consolidating your personal debt can be a successful strategy to free up your monthly cashflow to tackle the debt in a neatly wrapped-up recurring payment. Secondly, consolidating your high-interest personal debt at a low-interest home loan rate can aid with tackling your debt, as less of the overall monthly payment will be going to interest.

Better interest rate

Saving money on your monthly interest is the surest way to pay off your home loan sooner as an owner-occupier. Maintaining your monthly P&I repayment and reducing your monthly interest charge is a proven strategy to accelerate your debt reduction.

You can improve cashflow on your investment property with Interest Only repayments by reducing your interest rate.


Make your money work harder for you with loan features such as an offset account, redraw facility and extra repayments. These features, along with some varying strategies as to how best manage your money, can help you pay your loan off sooner.

Restructuring debt

Refinancing can be a great way to restructure existing debt related to events such as changing of title ownership, divorce, transfer of property and tax advice.

Refinancing Your Home Loan

Home loans shouldn’t be a set and forget! There are many reasons why refinancing should be your top priority including the opportunity to potentially save thousands with a better interest rate.


Your Inovayt Finance Broker is there to guide you through the entire loan journey, including refinancing. We can help you determine when the time is right to refinance and explore the best strategies to help you to achieve your desired outcome.


Our experienced team of Finance Brokers will be able to help you explore your options when it comes to refinancing. We understand that everyone has different needs, schedules and availability. We’re happy to meet face to face, over the phone or online.


We provide end to end financial solutions for every stage of your life. Once you have refinanced, it may be time to look at your overall financial position and clearly outline what your future goals could look like. It’s never too early to start planning for a comfortable retirement.

Let us help you to refinance your loan.

Book a free meeting
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