Make Your Home Loan Work Harder, Not You
Refinance without the stress – we’ll check your rate, fix the structure and do the bank-chasing for you.
Rates and products change all the time. At Pilbara Finance we compare 60+ lenders, renegotiate with your current bank or move you if there’s a better deal. We handle the whole refinance from numbers to settlement so you can focus on life, not paperwork.
Refinancing Isn’t Just About the Rate – It’s About Getting Ahead.
Smart refinancing can cut costs, free up cash and make your home loan work for where life is now – not where it was when you first signed.
Lower Your Repayments
Lock in a sharper deal and drop your monthly repayments, so more of your money stays with you – for the kids, the house or your next project.
Put Your Equity to Work
If your place has grown in value, we can help you tap into that equity for renos, investing, debt consolidation or other goals – without overstretching.
Ease the Squeeze on Cash Flow
Reshape your loan term or repayment setup to give you more breathing room in the budget, while still keeping you moving in the right direction.
Clean Up Your Loan Setup
Roll multiple loans into a simpler structure that’s easier to manage, with the right mix of fixed/variable, offsets and features for how you actually live.
When It’s Time to Give Your Home Loan a Check-Up
If any of these sound like you, it's worth seeing if your loan still stacks up.
It's been 2+ years since you looked at it
Your life and the market have moved on. Your home loan probably hasn't.
Rates have shifted, but yours hasn't
The RBA's moved or lenders are discounting – but your rate hasn't really budged.
Your fixed rate is ending soon
You're rolling to a higher variable rate and want options before it happens.
Your situation has changed
More equity, better income, new goals or upgrades – your loan should reflect that.
A quick review can show you if you could save, reshape your loan or if you're already on a good deal. Either way, you get clarity.
Refinancing Made Simple – Start to Finish
We keep the process straightforward and do the heavy lifting with the banks so you don’t have to.
Check & Compare
We review your current home loan, check how it stacks up and compare it against 60+ lenders. You’ll see clear options: stay and sharpen your rate, or move if there’s a better deal.
Reshape Your Loan
We recommend a structure that suits how you actually live – fixed or variable, offsets, redraw, split loans and the right term. You get plain-English advice on what will help you save money and stay flexible.
Switch & Settle
We handle the paperwork, chase the lender and manage the switch so there’s as little disruption as possible. You end up with your new loan in place, and we stay on hand for any questions.
Make Your Home Loan Work Better for You
Over time, life changes – income, family, goals, even where you live. Refinancing is simply about checking whether your current home loan still fits. A quick review can help you sharpen your rate, tidy up your loan setup and make your repayments easier to live with.
One Loan Review. Clearer Options. Better Fit.
We look at your current loan, compare it against what's in the market and show you clear options: stay and negotiate, tweak the structure, or move to a new lender. You stay in control – we just do the legwork and number-crunching.
We Only Recommend Refinancing If It Stacks Up
Refinancing isn't automatically the right move. We factor in fees, costs and your break-even point, and only suggest
switching or restructuring if it genuinely leaves you better off over the long term.
- Check if you can get a sharper rate or better deal
- Lower repayments or shorten your loan term – depending on your goals
- Put your equity to work for renos, investing or future plans
- Tidy up multiple loans into a cleaner, easier structure
- Make sure you've got the features (offset, redraw, fixed/variable mix)
- Move to a lender that better understands your income (including FIFO and overtime)
Smarter Refinancing for Property Investors
Use your loans to grow your portfolio, not hold it back.
Elevate Your Investment Portfolio
Refinancing your investment loans can free up equity, improve cash flow and tidy up your structure. Whether you're lining up the next purchase, reshaping interest-only terms or reviewing an existing portfolio, we'll match you with lenders that actually support your strategy.
Access Equity
Release usable equity for your next property, renos or other investments.
Improve Cash Flow
Adjust rate, term and structure to take the squeeze off monthly repayments.
Interest-Only Strategy
Use interest-only periods deliberately, with a clear plan for when and how they roll off.
Tax & Ownership Structure
Work with your accountant to line up loan structure, splits and offsets with your overall tax strategy.
Real Savings for Real WA Clients
Here's how we helped James & Diana cut their repayments, access equity and shave years off their home loan.
Old Rate vs New Rate
*Example only – subject to lender approval and eligibility.
$835 less per month
That's over $10,000 a year back in their pocket.
4 years off the loan
Same comfortable repayment – faster finish line.
100% offset account added
Every extra dollar now chips away at interest.
Clinton and the team made refinancing incredibly simple. They found us a better rate, helped us unlock equity for our next plans, and knocked years off our loan. We feel in control again and couldn't be happier with the outcome.
James & Diana
Homeowners, Perth
Want to see what your numbers could look like?
Why WA Homeowners Choose Pilbara Finance
Real people, straight answers and loan structures that actually fit how you live, work and get paid.
On-the-ground WA knowledge
From FIFO rosters to overtime and regional properties, we understand how WA income and lending really works – and which banks play ball.
Strategy first, not just a rate
We don't just chase a shiny number. We look at your goals, equity, cash flow and tax position, then build a refinance plan around that.
Hands-on, human support
You'll deal with a real broker who knows your file, gives straight answers and walks you through every step – no call-centre runaround.
Refinancing should feel calm and clear – not confusing. We keep it simple and on your side.
Refinancing FAQs – Straight Answers, No Jargon
Quick answers to the questions WA homeowners ask us most before they refinance.
In most cases there are three cost buckets:
Bank/lender fees – discharge fee from your old lender + setup fee for the new one.
Government fees – usually small, mainly for changing the mortgage over.
Broker fee – with Pilbara Finance, we'll tell you upfront if there's any fee and when it
applies.
We'll crunch the numbers so you can see your total cost vs the savings and how long it takes to break even.
A refinance usually means:
• One or two credit checks as we line up lenders
• Your old loan is closed and a new one opened
On its own, that's normal and expected. The key is not applying all over the place. We target suitable lenders, keep
applications tight and explain what it means for your credit file before you move ahead.
Rough guide:
1–3 days – we collect your info, run the numbers and recommend options
1–2 weeks – lender assessment and approval (can be faster with clean docs)
1–2 weeks – loan docs, signing and settlement
We'll tell you what's realistic for your lender and situation, and push things along so you're not chasing banks.
Yes – we work with FIFO workers and people with overtime/allowances all the time. Different lenders treat that income differently, so the trick is choosing banks that understand FIFO and mining income rather than trying to force it with the wrong lender. We'll show you who's likely to work with your roster and pay structure.
Often, yes. When you refinance you can:
• Release equity for renovations or another property
• Consolidate credit cards, personal loans or car finance into the home loan
• Keep some equity available as a buffer
We'll walk you through the options and make sure you're not over-stretching or using equity in a way that hurts you
long term.
Refinancing may not be right if:
• The costs and fees wipe out most of the benefit
• You're planning to sell or move in the near future
• Your situation has changed and you wouldn't qualify for a better deal
• You're mainly using it as a band-aid for ongoing overspending
If that's the case, we'll say so – and either help you fix the current loan or put a plan in place for later.
Still have questions?
Send us your question or your current loan details and we'll tell you, in plain English, whether a refinance is likely to be worth it.
Ready To See What Refinancing Could Do For You?
Let's find a smarter, simpler home loan that fits your goals. No pushy sales — just honest, expert advice.