Home Loan Refinancing

Is your current home loan still the best deal for you? With interest rates and lending policies always changing, it's crucial to ensure your mortgage isn't costing you more than it should. At Max Rich, we specialise in helping Gold Coast homeowners review and refinance their loans to save money, unlock equity, and achieve their financial goals sooner.

Refinance Your Home Loan on the Gold Coast & Save

Home loan complacency can cost you thousands. Many homeowners on the Gold Coast are paying a "loyalty tax" by sticking with a loan that no longer serves them. Whether you want a sharper interest rate, need to consolidate debt, or plan to access your equity for a renovation in Broadbeach or an investment down in Coolangatta, a strategic refinance is your key. We make the process simple by comparing over 60 lenders to find a superior deal, potentially lowering your monthly repayments and helping you pay off your home faster.

Our Strategic 5-Step Refinancing Process

We've streamlined the refinancing journey to be simple and stress-free, handling the complexities so you can focus on the savings.

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1

Home Loan Health Check

‍We start with a complimentary review of your current mortgage, your financial situation, and your future goals. We'll identify exactly how much you could save or how much equity you can access.

2

Market Comparison & Savings Strategy

‍We dive into the market, comparing hundreds of loan products from our extensive panel of lenders. We'll present you with a clear, side-by-side comparison showing your potential savings and the best options available.

3

Seamless Application Management

‍Once you've chosen your new loan, we handle everything. We prepare and lodge all the necessary paperwork with your new lender, ensuring a smooth and efficient application process.

4

Discharge & Approval Coordination

We liaise directly with your old and new lenders to coordinate the discharge of your existing mortgage and secure unconditional approval for your new one. We manage the entire changeover for you.

5

Settlement & Future Partnership

On settlement day, your new loan officially takes over. You can immediately start enjoying the benefits and savings. We'll stay in touch with regular reviews to ensure your loan continues to be the right fit for you, for life.

6

Explore your loan options & their features.

Refinancing is the perfect opportunity to get the loan features you've been missing. You could switch to a loan with a 100% offset account to reduce your interest payments, add a line of credit for investment purposes, or secure the flexibility of making extra repayments without penalty. We’ll guide you through the features that will provide the most value for your specific financial strategy.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Extra Mortgage Repayments Calculator

You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.

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Honeymoon Rate Loan Calculator

A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.

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Income Tax Calculator

The income tax calculator can be used to calculate your net income.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Lump Sum Repayment Calculator

This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.

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Mortgage Offset Calculator

Use the calculator to see how quickly you could pay off your loan with an offset account.

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Savings Planner Calculator

Use the calculator to find out how much you could save.

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Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

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Frequently asked questions.

View our full FAQs
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Should I buy or sell first?

This is a common dilemma for those moving to their next home. Selling first provides financial certainty, but you may need to rent temporarily. Buying first secures your dream home, but often requires a bridging loan and carries more financial risk. We can act as your strategic partner, assessing your financial situation to help you choose the best and safest path for your Gold Coast property move.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

What are the upfront costs I should be aware of when buying?

Beyond the deposit, there are several other costs to budget for. We believe in full transparency, so there are no "hidden fees." We provide all our clients with a clear breakdown of expected purchase costs, which typically include:

  • Stamp Duty (a state government tax)‍
  • Legal and Conveyancing Fees
  • Building & Pest Inspection Reports
  • Lenders Mortgage Insurance (LMI), if your deposit is less than 20%‍
  • Bank and Government Fees

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What does a mortgage broker do?

A mortgage broker is your professional partner in property finance. We first assess your financial situation and goals. Then, we compare hundreds of loans from our panel of over 60 lenders to find a suitable option. Finally, we manage the entire application process for you—from lodging the paperwork to liaising with the banks and coordinating settlement. We are your guide and advocate every step of the way.

What does pre-approval mean and do I need it?

A pre-approval (also called conditional approval) is a formal confirmation from a lender of how much they are willing to lend you, subject to certain conditions. In the competitive Gold Coast property market, getting pre-approved is an essential first step. It proves to sellers and agents that you are a serious buyer and gives you the confidence to know your exact spending limit.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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