Loan Select Tablelands
Refinance Home Loan in the Tablelands
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REVIEW & RESTRUCTURE
Home Loan Refinance Solutions Tablelands
Refinancing your home loan can offer long-term financial benefits, especially if your current loan no longer aligns with your goals. At Loan Select Tablelands, we take a detailed look at your existing loan to identify possible opportunities for savings, greater flexibility, or access to equity.
Whether you’re seeking a better interest rate, consolidating multiple debts, or preparing for future plans, we’re here to support you with qualified advice and regional expertise. We’re based in the Tablelands and work closely with a broad panel of lenders to help ensure your new loan structure is suitable and sustainable.
We can also help clients with personal loans, construction finance, and business lending, offering support across all stages of your financial journey.
Our team will explain each step clearly and help you weigh the costs and benefits of switching. If you’re ready to explore your options, call us on (07) 4091 4766 to book a refinance home loan review.
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Tailored Loan Comparison
What We Look At
We know refinancing is about more than just getting a lower interest rate. We consider a range of factors to ensure the new loan supports your financial goals now and in the long term.
- Review of current loan terms & repayments
- Assessment of exit fees & switching costs
- Comparison of fixed vs variable interest rates
- Evaluation of redraw, offset & repayment features
- Debt consolidation planning, if required
- Equity release options for renovations or investments
- Serviceability based on current income & expenses
- Access to a panel of trusted lenders
By reviewing these key areas, we help ensure that any new loan structure is realistic, manageable and well-matched to your needs. If refinancing makes sense for your situation, we’ll guide you through the process from start to finish—always with transparency and care.
Need Help?
Frequently Asked Questions
Why should I consider refinancing my home loan?
Refinancing may help you access a lower interest rate, reduce your repayments, or switch to a loan with better features. It can also allow you to consolidate debts, access equity for renovations, or adjust your loan term. However, refinancing may involve costs like break fees, application fees or new Lenders Mortgage Insurance. It’s important to weigh the potential savings against the costs and consider how long you plan to stay in the property before making a decision.
How often can I refinance my home loan?
There’s no legal limit to how often you can refinance, but it’s generally recommended to review your home loan every 2–3 years. Refinancing too frequently can result in additional costs, such as exit fees, valuation fees, and application fees, which may outweigh the benefits. Your financial situation, loan term, and property goals will influence whether refinancing is worthwhile. It’s also important to ensure your credit score remains in good shape, as multiple applications can affect your profile.
Will refinancing affect my credit score?
Yes, refinancing can impact your credit score, especially if you make multiple applications with different lenders in a short time. Each application is recorded on your credit file and may be viewed as a credit enquiry. Too many enquiries can lower your score temporarily. To minimise the impact, compare options carefully and submit just one application with your chosen lender. A well-managed refinance that lowers debt or improves repayment terms may support long-term credit health.
