Refinance your home loan and save.
Access the best rates and get more bang for your buck with Shire Home Loans.
Expert Guidance
Our brokers negotiate rates to find competitive deals. Benefit from potential savings that make a difference to your financial future.
Access to a Wide Range of Lenders
We connect you with various lenders to find the perfect fit. Our wide network enables us to identify the best options, saving you time and money.
Personalised Service
Your dream home deserves a dream mortgage. We offer one-on-one consultations to understand your needs. Whether buying, refinancing, or investing, we're here for you.
Potential Cost Savings
Our brokers negotiate rates to find competitive deals. Benefit from potential savings that make a difference to your financial future.
Calculate your potential savings
Why you should refinance
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Many borrowers choose to refinance their home loan at around the time they renew their loan. If your circumstances have changed, and your monthly repayments are no longer affordable, book a free appointment today.
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The first step to refinancing is to meet with our brokers, who can help you choose the right refinancing solution for your personal circumstances and finances.
Our qualified team will show you how much you may be able to borrow and what your repayments might be, depending on your savings, monthly expenses and your salary.
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Upgrading your home for family or a higher quality lifestyle is always exciting. however you must consider the impact of refinancing. speak to our brokers to see all your options, and get the best deals.
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Unfortunately, circumstances in life can change over time and might make you want to transfer your home loan. You cannot transfer your home loan without the lender's permission.
Usually, the new person will need to have the property transferred into their name and have a brand new home loan taken out at the same time as your current loan is paid out.
Be prepared to know that additional cost will apply when transferring; these can include stamp duty, paying for capital gain tax, mortgage insurance, discharge, registration & legal fees.
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Divorced couples often find themselves at a loss when it comes to how divorce will affect their credit, savings and assets. One of the most common situations that arise is when one party owns a home with the other spouse on the title. If you are selling your home, or want to buy out your ex-partner’s share in a house, you will likely need to refinance on your own.
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If you are retired and still paying off your mortgage, refinancing could be a valuable way to save money by reducing the interest rate on your loan. It can also help you access the equity you have already built up.
Keep your home loan up to date
Keeping your mortgage current and up to date is important. Working with a lender that focuses on the needs of their customers will make sure you’re in touch with current events and trends that may impact your loan.
Save & switch to a better rate
A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered.
The right refinanced loan might help you to pay off your mortgage faster and for less, clear unhealthy debt or upgrade and add value your home, all of which are steps in the right direction.