Sharper rates, lower repayments.
Most Australian homeowners on a loan over 2 years old are paying too much. We'll compare 40+ lenders and switch you only if the numbers genuinely put you ahead.
We model the full cost of switching — discharge fees, valuation, new lender rebates — and present a clear before/after. Average client saves $4,200+ in the first year.
Request a free assessment
A real broker calls you back within 5 minutes during business hours.
Why Insta Finance
Built around your file.
Honest comparison
We only recommend a switch when net savings beat the cost of changing. No churn, no kickbacks.
Cashback offers
Access lender refinance cashbacks (when available) on top of a sharper ongoing rate.
Equity release
Unlock equity for renovations, an investment property or to consolidate debts at home-loan rates.
Loan restructure
Split fixed/variable, add offset, or move to interest-only — structured to your next 3–5 years.
How it works
A clear path forward.
Rate check
Send your current rate — we benchmark against today's pricing.
Savings model
Full cost-vs-saving analysis including switching costs.
Application
We lodge with the new lender and manage the discharge.
Settlement
New loan funded, old loan closed — usually within 4 weeks.
Common questions
FAQs
How do I know if refinancing is worth it?+
Generally if your current rate is 0.30%+ above the sharpest comparable rate, switching pays off after fees. We do the full math for free before you commit.
How long does refinancing take in Australia?+
Typically 3–4 weeks end to end. The new lender approves and pays out your old lender — you don't need to coordinate anything.
What are the costs of refinancing?+
Discharge fee from your current lender (~$300), valuation (often free), and government title fees (~$200–400). Many lenders offer cashbacks that offset these.
Will refinancing hurt my credit score?+
One credit enquiry has minimal impact. We only apply with a single, well-matched lender — not shotgun multiple applications.
Can I refinance to access equity for renovations?+
Yes. We can restructure your loan with a separate split for renovation funds, kept at low home-loan rates instead of personal loan rates.
Get started
Stop overpaying your bank.
Free 15-minute refinance review. We'll show you exactly how much you could save and whether switching is worth it for your situation.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees