Refinance Loans
Refinance Loans
Same home. Smarter loan. Better outcomes.
If it’s been more than a couple of years since you looked at your mortgage, chances are your current loan isn’t working as hard as it could be.
At Kaushal Lending, we help homeowners across Melbourne and Australia reassess, restructure, and refinance their home loans to save money, reduce stress, and get ahead financially—without the runaround.
What Could You Be Saving?
Let’s say you’re paying 6.29% on a $600,000 loan and we refinance you to 5.69%—that’s over $2,000 per year back in your pocket.
Even small changes in interest rate or structure can mean big results over time.
We’ll help you calculate:
- Your break-even point (factoring in refinance costs)
- The total interest savings over the life of the loan
- Whether a refinance now sets you up for a better financial future
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Why Refinance?
Refinancing isn’t just about chasing a lower rate (although that helps). It’s about making sure your home loan continues to match your life.
We help you refinance to:
- Get a lower interest rate and reduce monthly repayments
- Switch from a fixed to variable loan (or vice versa)
- Access equity to fund renovations, investments, or consolidate debt
- Reduce or eliminate unnecessary fees
- Simplify multiple loans into one easy repayment
- Gain features like offset accounts, redraw facilities, or flexible repayment options
- You’ve been on a fixed rate and it’s just ended—now you’re paying more
- You want to fund a renovation using equity
- You need a better deal because your income or goals have changed
- You’ve been with the same bank for 5+ years but haven’t reviewed your loan
- You’re paying off multiple personal loans or credit cards and want to consolidate
The Right Loan, For Where You’re At
No two financial journeys are the same, and we don’t believe in one-size-fits-all advice. Whether you’re buying your first home, building something new, refinancing to cut costs, or navigating a self-employed income, Kaushal Lending is here to make it simpler. As a trusted mortgage broker in Melbourne, we’ll guide you through real lending options—tailored to where you are now and where you want to go next.
Let’s be real—buying your first home can feel like a mess of numbers, banks, and confusing advice. We break it all down for you: how much you can borrow, what deposit you actually need, and what grants you’re eligible for (like the FHOG in Victoria). We’re a local mortgage broker in Melbourne, and we’ll be with you from that first “can I do this?” moment right through to getting the keys. Simple, honest help. That’s how we work.
Interest rates change. Life changes. Your loan should too. Whether you want to refinance to lower your monthly repayments, roll in some credit card debt, or access equity to renovate—this is where we shine. We do the legwork, compare better lenders, and make the switch smooth. It’s your money. We help you make more of it.
Construction finance isn’t like a normal home loan—it works in stages, and there’s a lot of timing involved. We help you line everything up so your loan keeps pace with the build, not the other way around. Whether it’s your dream home or your next investment, we’ll structure your construction loan to keep things running smoothly (and without surprise headaches).
Being self-employed or running multiple properties shouldn’t make finance harder—but banks don’t always agree. We work with lenders who get it. Whether your income is seasonal, split across entities, or just not super “bank-friendly,” we’ll help you find a home loan that works with your reality. From self-employed loans to smart solutions for property investors, we know the way through.
We compare 40+ lenders so you don’t have to.
Let's talk about what you can borrow, how to structure it, and what makes sense for your goals. No jargon, no fluff—just the info you need.
