Refinance Your Home Loan
With Confidence
Save money. Simplify repayments. Get a loan that fits where you're at — not where you were.
Rates and products change constantly. At Pilbara Finance, we'll compare 40+ lenders to find the best option for your home or investment loan — without the stress. We'll handle the entire refinance process, from rate negotiation to settlement.
Refinancing Isn't Just About Getting a Lower Rate — It's About Getting Ahead.
Unlock smarter ways to grow your wealth, reduce costs, and take control of your financial future.
Lower Your Repayments Without Losing Momentum
Lock in a better rate and reduce your monthly mortgage payments so you can redirect those savings where they count — your family, your future, or your next big project.
Access the Equity You've Built
Your home may have grown in value. Refinancing lets you tap into that equity to fund renovations, invest, or consolidate debt — whatever moves you forward.
Improve Your Cash Flow
Whether it's shortening your loan term or adjusting your repayment schedule, refinancing can give you more breathing room in your budget.
Simplify Your Lending Structure
Consolidate multiple loans into one streamlined facility that's easier to manage and more flexible to grow with you.
How Do You Know It's Time To Review Your Loan?
You haven't reviewed your loan in 2+ years.
Interest rates have dropped or your lender hasn't passed reductions on.
Your fixed rate is ending soon.
You've built equity or upgraded your property.
A quick review can show you what you could save — or if you're already in a great position. Either way, you'll get clarity.
A Simple Process — Expertly Managed
We've refined our approach to make refinancing seamless. From analysis to settlement, our expert team handles every detail with precision and care.
Compare
We analyze your current loan and compare it to 40+ lenders to find you the best rates and terms available.
Structure
We design your loan for maximum flexibility and savings, tailored to your unique financial situation.
Settle
We handle all paperwork and lender transitions, making the entire process effortless for you.
Our goal is to make refinancing feel effortless — we do the heavy lifting so you can focus on the outcome.
Simplify Your Finances With Debt Consolidation
If you have got multiple debts, personal loans, car finance, or credit cards, refinancing your mortgage can help simplify your finances.
One Loan, One Payment, One Clear Path Forward
By consolidating debts into your home loan, you will have one manageable repayment, a lower overall interest rate, and a clearer financial path forward. Say goodbye to juggling multiple payments and hello to financial simplicity.
Debt consolidation is not for everyone. We will review your total position to make sure it strengthens your finances long-term.
- Combine multiple debts into one loan
- Reduce monthly outgoings and stress
- Pay less in interest over time
- Clean up your credit profile
- Free up cash flow for savings or investment
Smart Refinancing For Property Investors
Unlock new opportunities and maximize returns with strategic refinancing solutions tailored for property investors
Elevate Your Investment Portfolio
Refinancing your investment loan can unlock new equity, boost returns, and improve cash flow. Whether you're restructuring for tax efficiency, purchasing another property, or reviewing an existing portfolio, we'll find a lender that supports your strategy.
Access Equity
Unlock equity for your next property purchase
Improve Cash Flow
Lower repayments to enhance monthly cash flow
Interest-Only Options
Optimize interest-only periods for flexibility
Tax Efficiency
Review deductible loan structures strategically
Real Results from Real Clients
See how we helped James & Diana save thousands on their home loan and unlock their property's potential
From 4.99%*
*Lender eligibility applies.
Monthly Savings: $835
That's $10,020 every year to invest in more property or enjoy life
Loan Term Reduced: 4 Years
Debt-free sooner while maintaining the same monthly payment
100% Offset Account Included
Every dollar in offset reduces interest, with full access to funds
Clinton and the team made the entire refinancing process incredibly simple. They found us a better rate, helped us access our equity, and saved us years on our loan. We couldn't be happier with the outcome!
James & Diana
Homeowners, Perth
Why Australians Trust Pilbara Finance
Experience the difference that genuine expertise and personalized service makes in your refinancing journey
Local Knowledge
Real advice from people who understand the Australian market and your unique financial goals
Expert Brokers
Decades of combined experience finding smarter loan structures that save you money
Tailored Support
You'll never be just a number — we guide you through every step with personalized care
Refinancing should feel empowering — not overwhelming. We make it easy.
Common Questions About Refinancing
Find answers to the most frequently asked questions about the refinancing process
In most cases, our service is completely free to you. We're paid by the lender when your loan settles, so there's no upfront cost or hidden fees for our expert advice and support throughout the refinancing process.
Not if managed properly. We handle the entire process strategically to minimize any impact on your credit score. Our approach ensures applications are submitted efficiently and only when we're confident of approval.
Absolutely! You can access your home equity to fund renovations, improvements, or other investments. This is often one of the most cost-effective ways to finance home improvements since home loan rates are typically lower than personal loans.
Typically, the entire refinancing process takes 2-4 weeks from application to settlement, depending on your lender and specific circumstances. We work efficiently to expedite the process while ensuring everything is done correctly.
Debt consolidation is a specific type of refinancing where we combine multiple loans (credit cards, personal loans, car loans) into one new home loan. This typically results in lower overall interest rates and simplified monthly payments.
Still Have Questions?
Our expert brokers are here to help answer any questions you have about refinancing
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.
