Looking To Refinance Your Current Home Loan?
How KBF help
Things in life change - and that includes interest rates, your circumstances and goals. When they do, it could be time for your home loan to change too.
Refinancing is a way you could potentially save money, trim your mortgage and ultimately, get a better deal. You don’t have to go it alone - with a KBF doing the legwork with your best interests at the heart, refinancing can be easier than ever and save you thousands on your home loan.
1. Reach out
Our refinancing experts are here to help, we're a friendly local North Brisbane team. Simply reach out here.
2. We research
We set about finding the right refinancing for your needs, comparing 60+ most trusted lenders in Australia.
3. You save
Our team are here to help you achieve your refinancing goals, simply reach out to get started.
Why choose Kelly Brothers Finance?
We Keep It Simple
When it comes to refinancing your home loan, we make sure that you understand all the steps and requirements, and we make it easy.
We're Family
We're a family run team, and believe in making sure that you have the right home loan for not only your needs, but your family too, like if you need a guarantor for example.
We're Here Now, And Later
Your home loan is an investment that requires ongoing maintenance, including refinancing to make sure you have the best home loan rates and terms now, and in the future. With KBF you don't need to worry.
Glowing 5-Star Reviews
If you're like us, you'll want to read a number of reviews before getting in touch. Please feel free to see our reviews here, from first home buyers to seasoned investors: Our Google Reviews
Meet North Brisbane's refinancing experts
We negotiate with over 60 leading lenders for you, including the big four banks.
What is home loan refinancing, and how does it work?
Home loan refinancing is the process of replacing your current mortgage with a new loan—either with your existing lender or a different lender—to secure a better interest rate, lower repayments, or improved loan features.
- At Kelly Brothers Finance, we guide North Brisbane homeowners through the refinancing process by:
- Reviewing your current loan to identify cost-saving opportunities
- Comparing competitive home loan options from leading Australian lenders
- Managing the paperwork and application to streamline the transition
Refinancing can help you save money, access home equity, or consolidate debt. If you're unsure whether it's right for you, our expert mortgage brokers can assess your situation and provide tailored advice.
Why should I refinance my home loan?
There are several reasons why refinancing could benefit you, including:
- Lower interest rates – Reduce your monthly repayments and overall loan costs
- Better loan features – Access flexible repayment options, offset accounts, or redraw facilities
- Debt consolidation – Combine multiple debts into a single, lower-interest mortgage
- Access home equity – Unlock equity to fund renovations, investments, or personal goals
- Change loan type – Switch from a variable to a fixed rate (or vice versa) for more control
At Kelly Brothers Finance, we help homeowners in North Brisbane assess their refinancing options and find a better mortgage deal that suits their financial goals.
How do I refinance my home loan in North Brisbane?
Refinancing involves these key steps:
- Assess your current loan – Review your interest rate, fees, and features
- Compare new loan options – Check competitive offers from various lenders
- Apply for refinancing – Submit documents like income statements and property details
- Property valuation – The lender may assess your home’s value to determine borrowing power
- Approval & settlement – Once approved, your new lender pays off your existing loan
Kelly Brothers Finance takes care of the entire process, ensuring you secure a better loan with minimal hassle. Book a free consultation today to explore your options.
Are there costs involved in refinancing my home loan?
Yes, refinancing can involve some costs, including:
- Discharge fees ($100–$400) to exit your current loan
- Application fees ($0–$600) depending on the new lender
- Lender’s Mortgage Insurance (LMI) if borrowing over 80% of your property value
- Government fees for mortgage registration and transfer
However, the long-term savings from lower interest rates and better loan features can outweigh these costs. At Kelly Brothers Finance, we provide a cost-benefit analysis to ensure refinancing is the right move for you.
