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Recognised as one of Australia’s broking leaders.
Home Refinancing
A better home loan could be within reach
Your first home loan got you in the door, but that doesn't always mean it's the right loan for where you are today.


People refinance for all kinds of reasons; chasing a better rate, freeing up cash flow, consolidating debt or unlocking equity to fund the next move. What they have in common is their current loan is no longer working as hard as it should be. In a market with 40+ lenders competing for your business, there's a good chance something better exists.


EQ Lending takes the guesswork out of finding it. We assess your existing loan, benchmark it against the full market and identify whether refinancing genuinely moves the needle for you. If it does, we manage the switch from start to finish.
Home refinancing
Interest Rates & Repayment Options
Interest Rate Type
Variable Rate
A variable rate can move up or down depending on market conditions, offering greater flexibility and potential savings if interest rates decrease.
Fixed Rate
A fixed rate locks in your interest rate for a set period, providing certainty around repayments and protecting you from interest rate increases during that time.
Repayment Type
Interest-Only
With interest-only repayments, you pay only the interest portion of the loan for a specified period. This can help reduce short-term repayment costs and improve cash flow flexibility.
Principle & Interest
Principal and interest repayments reduce both the loan balance and interest over time, helping you build equity in your property faster while paying off the loan progressively.
Our Commitment
Our Promise
One on One Support
We provide a dedicated lending specialist for every client, guiding you through the loan process from start to finish.
Solutions Driven
Unlike traditional banks, we evaluate your unique financial situation and present options that truly work for you.
Industry Expertise
From home loans to construction and private lending, we are your personal hub for smarter finance solutions.
How do I know if refinancing is worth it?
Refinancing may be worthwhile if you can secure a lower interest rate, reduce repayments, consolidate debt or access better loan features. EQ Lending can compare your current loan against available options to help determine potential savings and benefits.
Can I refinance if my financial situation has changed?
Yes. Even if your income, employment or financial circumstances have changed, there may still be refinancing options available. We work with a panel of over 40 lenders to explore suitable solutions.
Will refinancing affect my credit score?
Refinancing can involve a credit enquiry, but when managed correctly, the impact is usually minimal. Our specialists help ensure the process is structured strategically and responsibly.
Can refinancing help consolidate debt?
Yes. Many homeowners refinance to combine debts such as credit cards, personal loans, or car loans into their home loan, potentially simplifying repayments and reducing overall interest costs.
How long does the refinancing process take?
Timeframes vary depending on the lender and complexity of the application, but refinancing generally takes a few weeks from application to settlement. EQ Lending manages the process to help keep everything moving efficiently.