Refinancing Your Home Loan

Loan refinancing can save you thousands and help you pay off your mortgage quicker. At Inovayt, we help you find the best option at every stage of loan refinancing, from debt consolidation to securing 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 home loan should not be something you ‘set and forget’. We encourage our clients to refinance their home loan when the time is right or to consolidate their debt if the circumstances allow.

Our refinancing calculator can help you discover the benefits of refinancing, and potential savings.

Refinancing Your Home Loan

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.

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 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

We want to help you find the best mortgage or home loan refinancing option for your individual needs.

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Debt consolidation

Consolidating your debt can be a successful strategy to free up your monthly cash flow and tackle the debt in one 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 go to interest.

Learn More

What our clients say

    
 
 
      Posted on Google  
   
   Scott Hughes 
 October 20, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Inovayt were extremely helpful, the team all worked together to get a result we were happy with.
  
 
     Posted on Google  
   
   Abbey O'Callaghan 
 October 19, 2026
 
 
 Trustindex verifies that the original source of the review is Google. This is the second time Inovayt has helped me purchase a property. Chris was responsive and helpful throughout the entire process, answering my questions and consistently providing options that suited my personal circumstances.

Beyond securing the mortgage, Chris and the team continued to support me throughout the term of my previous loan, making sure I was always getting the best rate possible.

I always felt that Chris genuinely wanted the best outcome and value for me, and worked hard to make it happen.

Couldn’t recommend Inovayt more highly!
  
 
     Posted on Google  
   
   Yehudah Kinderman 
 October 19, 2026
 
 
 Trustindex verifies that the original source of the review is Google. This is our second home loan successfully executed by Simon and the team and he has done a magnificent job for us. Countless hours on the phone discussing and figuring things out and we can’t recommend Simon enough!
For anyone considering top quality Melbourne service with a great bloke, this is perfect for you.
Steve and Sossy
  
 
     Posted on Google  
   
   Todd Milham 
 October 18, 2026
 
 
 Trustindex verifies that the original source of the review is Google. We had the absolute pleasure of working with Duane to purchase our first home. We were pretty hard customers as business owners, but he was incredibly efficient, kept us up-to-date with each stage, and worked tirelessly to secure us finance. Could not be happier and highly recommend Duane and the wider Inovayt team for all your financing needs!
  
 
     Posted on Google  
   
   Debbie Sims 
 October 16, 2026
 
 
 Trustindex verifies that the original source of the review is Google. It’s been slow and methodically completed, with them finding out of needs, what we felt comfortable doing and then thoroughly and transparently provided our options.  They were very supportive and patient. There communication was on point and efficient
  
 
     Posted on Google  
   
   Diana Brown 
 October 15, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Brendan and Kat were great highly recommend
  
 
     Posted on Google  
   
   Zac Thompson 
 October 15, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Couldn’t recommend Duane enough! Being first-home buyers, we had no idea what to expect going into the whole process, but Duane made everything so much easier.

He was always happy to answer any questions we had, explained everything clearly and made sure we knew what was going on every step of the way. He went above and beyond to help us get into our first home and genuinely made the whole experience a lot less stressful than we expected.

Really appreciate all the time and effort he put into helping us out. Couldn’t have asked for a better broker and would definitely recommend him to anyone looking to buy a home.

Thanks again, Duane!
  
 
     Posted on Google  
   
   David Anstis 
 October 14, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Could not fault the service provided, Justin and his team were excellent. From initial consultation to settlement was speedy and seamless. The solution provided was not only comparable but addressed all my requests and concerns. 10/10 recommend .
  
 
 
  
 
 
   Google rating score: 5.0 of 5, based on 1521 reviews

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Better interest rate

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

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

Refinancing Calculator

Features

Make your money work harder for you with loan features such as an offset account, redraw facility and extra repayments. These features and various strategies on the best way to manage your money can help you pay your loan off sooner, and avoid a large chunk of interest over the course of the loan.

Restructuring debt

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

Read our tips

Helpful resources

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Find an Inovayt Finance broker near you

Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.

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