Refinancing your home loan may help you to pay off your mortgage earlier, with significant savings.

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Quite often, refinancing is also required to align your needs and goals with the right lender and product as your circumstances and requirements change over time.

Refinancing your mortgage involves finding a new mortgage loan that is more competitive than your current home loan. It can also involve locking in an interest rate for a number of years to provide mortgage repayment certainty.

While Australia has enjoyed low-interest rates for many years, high inflation and other economic pressures in 2022 have led the Reserve Bank of Australia (RBA) to increase official cash rates, which has led banks to raise interest rates.

A major incentive for refinancing your home loan is debt consolidation. Debt consolidation is a process that simplifies all of your debts, with your home loan, credit card bills and other loans rolled into a single monthly payment. This process aims to save you money with a lower single interest rate.

With access to over 40 lenders, Capital for Castles is able to secure competitive options for refinancing the mortgage on your home.

We would be happy to have a no-obligation chat with you about your refinancing options, either in person or online.

Our refinancing process:

Need assistance with your home loan? Book a meeting with us today.

Our refinancing process:

Quick question

If we have not met before, we start by discussing your current lender and your needs, goals and answer any questions you may have.

Debt consolidation options

When refinancing your loan, it is possible to consolidate other debts you have including credit cards and personal loans at a lower interest rate, delivering you significant savings.

Personalised solutions

We assist you to consider the benefits of different loan options, including having an offset account, fortnightly loan repayments compared to monthly repayments, and more.


We match your circumstances and needs to the most appropriate bank or lender (we have access to 60+ providers), and then provide you with a recommendation.


When we agree on the right lender, we start the approval process, handling all paperwork for your sign-off.

Contact Capital for Castles