Refinancers
A Refinance Should Improve More Than Your Interest Rate
Avantage Finance reviews your rate, repayments, loan features, equity position and future plans to determine whether changing lenders or restructuring the loan is likely to materially improve your position.
Your Loan May No Longer Match Your Financial Position
Rates, property values, income, debt, family needs and investment plans can all change while the original loan remains the same. You may be paying more than necessary, missing features you now need, carrying debt inefficiently or limiting your ability to make the next financial move.
A proper review compares the current loan with the proposed outcome after fees, timing, term and future objectives are considered.
Review Your Current Loan
Share a few details about what you want to improve. Gavin will contact you to discuss whether a full review is worthwhile.
A Comparison Based on the Whole Loan
Gavin assesses the full loan position, including the rate, fees, features, equity, serviceability and how well the current structure supports your future plans.
Current Loan Position
Current interest rate, repayment and remaining loan term.
Fees & Switching Costs
Annual fees, package costs, break costs and switching expenses.
Loan Features
Offset, redraw, fixed and variable features and how they are used.
Property & Equity
Property value, equity position and the proposed loan-to-value ratio.
Borrowing Position
Income, commitments, serviceability and lender policy.
Future Plans
Future plans such as renovations, investment, business funding or another property purchase.
The Right Sequence Depends on Your Priorities and Financial Position
The right outcome may be a lower cost, greater flexibility, carefully structured debt consolidation, access to equity or simply keeping the current loan.
Reduce Loan Cost
Identify whether a lower rate, lower fees or a different repayment setup may improve the total position after switching costs are included.
Improve Flexibility
Consider loan features and splits that better support the way you manage cash, repayments and future decisions.
Consolidate Debt Carefully
Review whether consolidating higher-cost debts may improve cash flow, while accounting for the risk of extending short-term debt over a longer home loan term.
Access equity
Assess whether available equity may support renovations, investment or another defined purpose, subject to serviceability and lender approval.
Keep the Current Loan
If the costs or trade-offs outweigh the benefit, the correct outcome may be to stay with the current lender and review again later.
A Finance Plan for the Full Property Transition
1
Understand
The Objective
Clarify whether the priority is cost, cash flow, features, equity access or future borrowing.
2
Review The
Current Loan
Assess the balance, rate, term, repayment, fees, features and current property position.
3
Compare The
Total Outcome
Consider suitable alternatives, switching costs, trade-offs and the effect over an appropriate timeframe.
4
Proceed Only If It
Improves the Position
If refinancing is worthwhile, Gavin manages the lender process through to settlement. If it is not, he explains why.
Measured by outcomes, not just approvals
Years of Residential/Home Loan Experience
Business/Commercial Experience
Number of Lenders
Customers Assisted Over the Years
A Loan Review Connected to the Bigger Financial Picture
Gavin looks beyond the advertised rate. He reviews the current lending position, understands what the borrower wants to achieve and compares the practical effect of changing lenders or restructuring the loan. The recommendation is based on the outcome, not the number of products compared.
From Business Position to Lender-Ready Application
How do I know if refinancing is worthwhile?
The comparison should consider the rate, repayments, remaining term, loan features, switching costs and how long you expect to keep the new loan. A lower rate alone does not automatically create a better outcome.
Can I refinance a fixed-rate loan?
Potentially, but break costs may apply and can materially affect the result. These costs should be confirmed and included in the comparison before a decision is made.
Can I access equity when I refinance?
Potentially. The lender will consider the property value, proposed loan amount, serviceability, purpose and credit position. Available equity does not guarantee that additional lending will be approved.
Can refinancing help consolidate other debts?
It may reduce monthly outgoings or the interest rate on some debts, but extending short-term debt over a longer home loan term can increase the total interest paid. The structure and repayment plan should be assessed carefully.
Does submitting this form affect my credit file?
Submitting an enquiry is not a loan application. Gavin will explain the review process and advise before any formal application or credit check is undertaken.
Solutions that work. Relationships that last.
We’re focused on more than just the transaction — delivering the right outcome and becoming a trusted partner our clients can rely on as they grow.
I have used Gavin Lobo’s services to secure my second investment property. I have dealt with Gavin. Gavin is really an approachable professional and he helped me a lot along the way and provided different options to choose the best loan. Happy to recommend to use their services.
M Guner
I found Gavin (and Colin) to be not only expert in their knowledge and advice, but also highly accessible and approachable. Being able to get hold of them easily and be given great advice made this process efficient, easy and low stress. I’d happily recommend Finance My Home to anyone. Thanks again
Andrew Kikeros
We have had a great experience with Gavin and Colin. We look forward to adding to our portfolio and continuing to work together.
On The Verandah Creative Adventures
Gavin was so proactive and professional with our home loan. We would be recommending to our family and friends for sure
Brenda Aung
Excellent, professional, honest advice and service. Very transparent throughout the whole process. They got me a way better deal than I could get from my own bank event though I was a 25 year customer with them!….. HIGHLY RECOMENDED!!
Mark Jewell
Gavin Lobo is a dedicated professional committed to making your loan acquisition process as seamless and efficient as possible. I highly recommend Gavin Lobo for any of your mortgage needs and will definitely be using his services again. Trust in Gavin to guide you home!