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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What is Best Interest Duty (BID)?

Best Interest Duty is a legal obligation that requires mortgage brokers to act in their clients' best interests at all times. This is a critical consumer protection that is not placed on banks. It means we are legally required to prioritise your interests and recommend a loan that is suitable for your circumstances.

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What is a good interest rate?

A "good" interest rate is more than just the lowest number. The most competitive loan package is one that has a great rate combined with the right features (like an offset account), low fees, and a lender policy that suits your circumstances. Our job is to compare options from over 60 lenders to find the loan that offers the best overall value for you.

What is an interest only loan?

An interest only loan is where your repayments for a set period (usually 1-5 years) only cover the interest portion of the loan, not the principal balance. This results in lower initial repayments and is a common strategy used by property investors to maximise cash flow or during the construction phase of a new home.

What is stamp duty and how much does it cost?

Stamp duty is a tax charged by the Queensland Government on the purchase of a property. The amount payable is calculated based on the property's value, and concessions or exemptions may be available, particularly for first home buyers. As part of our service, we will provide you with a precise calculation of the stamp duty payable for your purchase.

What is the difference between offset accounts and redraw facilities?

An offset account is a separate everyday bank account linked to your loan. The money in it remains yours and is offset against the loan balance to reduce your interest. A redraw facility allows you to access any extra repayments you've made directly into your loan account. The key difference is ownership: money in an offset is yours, while money paid into a loan becomes the lender's, which you can then ask to 'redraw'.

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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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