Refinance your Loan

Take advantage of better rates on the market and start saving

5.0

from 86 Reviews

We're here to help you Refinance your Home Loan or Investment Loan

Refinancing a loan is the number one way most of our clients reduce interest repayments on their Home Loan or Investment Loan. Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies so chances are we can find a better Home Loan or Investment Loan.

As a property appreciates over time, you may be able to use this increased equity to obtain a larger loan amount. The extra funds can be used for various purposes, such as home renovations, debt consolidation, or even investments. Refinancing also allows borrowers to consolidate multiple loans into one, simplifying their financial management and potentially reducing overall interest costs. We can also help you understand the impact of any break-costs or exit-fees that may apply to your current loan, to make sure you can compare the true savings of Refinancing.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to refinance your Home or Investment Loan, we have the expertise and experience to guide you through the process and make the right choice.

Our Recent Reviews

Tom is an absolutely fantastic, hardworking guy. I am so glad a friend recommended him to me. Throughout the process of selling and buying my home, I phoned Tom constantly with questions and he answered every call leaving me feeling reassured. He worked so hard and was with me every step of the way. I honestly cannot thank him enough. I am now pleased he is assisting my son with his new home. Good work Tom, thank you for helping me and my family.

Joanne

Tom has helped us with both our original home loan and our recent refinance, making the entire process smooth and stress free. No question was ever too silly, and he always took the time to ensure we understood everything. His professionalism and genuine care for his clients make him a fantastic mortgage broker. We highly recommend Tom to anyone looking for someone who truly has their best interests at heart.

Tayla Brown

Monique Godding

Tamara was amazing throughout the whole process for securing my home loan. She put me at ease instantly, explained everything clearly and helped me every step of the way. She went above and beyond to ensure a smooth application with a very positive result. I’d happily recommend her services to anyone requiring financial assistance and advice.

Melanie M

Frequently Asked Questions

Does G&T Finance help self employed borrowers get a loan?

Absolutely! Self employed borrowers are one of our specialties. We will work with you and your accountant where possible, to find the right solution and help you achieve your financial goals.

Does G&T Finance charge any fees, or are there any hidden costs when getting a loan?

For most loans we are paid by the lender and not by our customer. We will on some occasions charge a credit assistance fee and this will be advised to you up-front. All lender fees are disclosed up-front in your loan contracts.

Can G&T Finance help first home buyers get their first home loan plus access any grants and incentives?

We love helping first home buyers get into their home sooner. Check out our home buyer accelerator to get all of the information you need to get there. We will even check your eligibility and help you complete and submit the forms for any first home buyer benefits available.

Can G&T Finance help with your home loan and investment loan?

Whether it be buying your dream home or refinancing to build an investment portfolio our approach ensures you will get have the best long term solution. With our expertise and panel of over 50 lenders we will ensure you have the best structure and product to meet your goals.

Check out the latest articles from G&T Finance

4th June 2026

Proven Tips to Overcome First Time Buyer Challenges

The deposit, eligibility, and approval hurdles that stop most first home buyers in Mandurah, and how to work around them.

3rd June 2026

Everything you need to know about refinancing payment frequency

How changing your repayment schedule when you refinance can shift your loan balance and interest costs without lifting your monthly budget

2nd June 2026