Home Loan Refinancing

Are you looking to refinance home loan to a better interest rate?

Our team of mortgage brokers can find you the perfect refinance mortage.

Your Local Refinance Experts

Your mortgage is most likely your biggest expense, and it's only becoming more costly with rising interest rates. It's highly recommended to review your existing home loan every 1-2 years and ensure you're on the most competitive interest rate available.

The difference a small percentage change can make to your monthly home loan repayments is significant. Our team of expert brokers will provide you with a free assessment of your current loan and ensure you're paying as little as possible to the banks.

Enquire Now

Find Your Perfect Refinance Solution

Let's discuss your refinancing needs. We’re here to help.

Why Refinance

There are 6 main reasons to refinance home loan.

Reduce Repayments

Refinancing to a new lender can allow you to find a better home loan refinance rates and reduce your monthly home loan repayments. This can provide extra spending money or enable you to pay off your mortgage faster.

Consolidate Debt

Debt consolidation is when you refinance your home loan and combine higher-interest debts such as car loans, credit cards, or personal loans. This can significantly reduce your overall monthly repayments and make managing your finances easier with one simple payment.

Access Equity

If you have available equity within your home, you can refinance your existing loan and receive the equity in the form of cash. This money can be used for any purpose, such as buying a new car, home renovations and landscaping or a deposit for a new investment property.

Cashback Offers

Certain lenders try to win your business by offering incentives. Cashback offers are sometimes up to $6,000 and can make refinancing your home loan a smart financial decision, assuming the interest rate and fees are still competitive.

Change Loan Features

Switching lenders can allow you to change certain loan features. You may want access to an offset account, change from fixed interest rate to variable, or extend your loan term to reduce your monthly repayments.

Unhappy With Current Lender

You might be receiving limited home loan features, poor customer service, or denied a rate reduction after being a loyal customer for years. If you’re unhappy with your current lender, then switching home loans can be a good move.

Savings Potential

How much can you actually save?

Refinancing your investment property can unlock significant savings and enhance your financial strategy. For instance, if your current investment property loan has an interest rate of 5.75% on a $600,000 loan over 30 years, your monthly repayments would amount to $3,502. By engaging a mortgage broker to refinance your mortgage to a more competitive rate of 4.90%, your monthly repayments could decrease to $3,185.

That’s $3,804 in cost savings every single year! 

Over the life of your new loan, you would pay $114,120 less in interest. This money could be used to improve your family’s lifestyle, retire at an earlier age, or pay down your mortgage faster.

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Property Investors

Refinancing for property investors.

Loan refinancing is an effective way for property investors to optimise their cash flow, access equity, and grow their property portfolio. Our mortgage brokers can help you refinance your investment loans and ensure you’re getting the best rates and features available.

If you’re looking at buying your first investment property, using equity within your home can be a smart way to kickstart your investment journey. By refinancing your home loan and accessing available equity, you can purchase a rental property without needing to save up for a large deposit.

Why Choose Us

Benefits of using Deltos to Refinance your investment loan


Extensive market knowledge

We know about the best refinance interest rates, cash back offers, and approval times from the 40+ lenders we work with.

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We do the hard work

Our brokers will save you time and effort. We shortlist the best lenders who can help refinance your home loan. Plus, you can count on us to fully complete your loan application from submission to settlement.


Power to negotiate

We can negotiate better terms on your behalf. We frequently get lenders to waive certain fees and charges, like early repayment fees or redraw fees, or reduce their advertised interest rates.

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High quality outcomes

Our brokers do an internal assessment before lodging your application, greatly increasing your chances of approval.


Loan structuring

With the right home loan structure you can optimise your borrowing power, cash flow, and pay off your mortgage sooner.

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Free service

Our service is 100% free of charge, as we get paid directly by the lender.

Getting Started

Looking to Refinance?

Check out our Refinancing Guide.

Our brokers will support you through the whole process and answer any questions you might have in relation to home loan refinancing.

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Free Download
Free Home Loan Assessment

Speak to an Expert Refinance Mortgage in Hobart

Make sure you get the right refinancing advice for home loan in Hobart.
Call us today on 0419 949 406 or email [email protected].


Refinancing Frequently Asked Questions

Here's some of the most common questions we're asked. If you have a question that's not answered here, we'd love to hear from you.

Yes, our brokers are available after hours and on weekends for appointments. Clients have the option of meeting with a broker at our Hobart office or fully at distance through a combination of phone, email, and video meeting.


We value your customer experience

Creating a positive client experience is our number one priority, and we’re incredibly proud of the kind words we receive from our clients.