Unconditional Finance is Sydney's award-winning mortgage broker for refinancing. We compare your existing home loan against loan products from 40+ lenders, negotiate lower interest rates on your behalf, and manage the entire process from application to settlement.
No paperwork headaches. No dealing directly with your current lender. No guessing whether you are getting a better deal.
Here is why thousands of Australians refinance with us:
Refinancing your home loan means replacing your existing loan with a new loan, either with a different lender or renegotiated terms with your current lender. Your chosen lender pays out your old loan, and you begin making monthly repayments under the updated terms.
The refinancing process typically takes four to six weeks from application to settlement. We handle the heavy lifting so you can focus on what matters. Most borrowers are surprised by how straightforward it actually is when a mortgage broker manages it.
Not sure if refinancing is right for you? Read on.
Most Australian home loans run for 25 to 30 years. If you took out your loan more than two years ago and have not renegotiated since, you are almost certainly paying more than the market rate. In some cases borrowers are paying up to 40 basis points above the rate offered to new customers at the same bank.
Refinancing allows you to compare your existing rate against what every other lender is willing to offer today. If your financial position has improved, you may qualify for a significantly lower interest rate. Even a small rate reduction across a large loan balance can save thousands over the loan term. Why pay more than you need to?
Equity is the difference between your property value and your remaining loan balance. Refinancing lets you access equity for purposes like renovations, purchasing an investment property, consolidating higher-interest debts, or funding major life expenses. If your property has grown in value, that equity is sitting there doing nothing until you put it to work. Read our guide on refinancing to buy an investment property for a detailed walkthrough.
Juggling personal loans, credit cards, and a car loan? Refinancing can roll all of these into your home loan at a much lower interest rate. One lender, one monthly repayment, one interest rate. Simpler and cheaper.
Your first home loan might not have had the features you need now. Refinancing lets you switch to a loan with an offset account, redraw facility, split between fixed rate and variable rate options, or interest-only repayments for investors. Different banks offer different loan features, and what suited you five years ago might be costing you today.
Life changes. Shortening your loan term means higher monthly repayments but you pay off your loan faster and save thousands in interest payments. Extending your loan term reduces your home loan repayments and frees up cash flow. The right structure depends on your individual circumstances and financial goals.
Timing matters. Here are the clearest signals that you should be reviewing your current home loan.
If any of these sound familiar, it is time to talk. Check what you could save with our refinance calculator.
We make the refinancing process seamless. Here is what to expect when you work with Unconditional Finance.
We review your existing home loan, current interest rate, loan balance, remaining loan term, and financial goals. We identify whether refinancing makes sense for your personal circumstances and estimate your potential savings. No credit check. No obligation.
We compare refinancing options across 40+ lenders simultaneously, presenting your best options side by side. We look at interest rates, comparison rates, ongoing fees, loan features, and any costs involved in switching lenders. This is where using a mortgage broker instead of going to one lender makes a real difference.
Once you choose your preferred option, we prepare and submit your refinance application. Your new lender orders a property valuation to confirm your property value. We manage all lender correspondence and keep you updated at every stage. No chasing banks. No hold music.
At settlement, your new lender pays out your existing loan and your new loan begins. The process is stress free because we handle it. But we do not disappear after settlement. We review your rate every six months to make sure you are always on the best deal. Most borrowers set and forget. We make sure you never overpay.
The numbers speak for themselves.
Your savings depend on your loan amount, current interest rate, remaining loan term, and the competitive rates available from other lenders. Use our budget planner to see how refinancing fits into your broader financial position.
Refinancing is not always free. Understanding the costs involved helps you calculate whether switching lenders delivers a net saving.
We calculate all costs upfront as part of your assessment so there are no surprises. In most cases, the long-term savings significantly outweigh the one-off switching costs.
Sometimes refinancing is not straightforward. Your loan balance might be too close to your property value, your income may have changed, or your existing lender’s break costs are too high. That does not mean you are stuck. There are Plan B strategies that can still save money on your current mortgage without switching lenders. Read our guide on what to do if you cannot refinance your home loan.
Refinancing an investment property works differently to refinancing your home. The tax implications of how you structure the new loan can either save you thousands or cost you thousands. Interest deductibility, loan splitting, and offset account strategy all matter. Read our guide on refinancing an investment property and the tax traps to avoid.
Some lenders offer cashback incentives of $2,000 to $4,000 to win your business. On the surface, that looks attractive. But a cashback offer with a higher interest rate can cost you far more over the loan term than a lower rate without the incentive. We compare the total cost of each option so you can make the right call. See our broker’s analysis of whether refinance cashback offers are actually worth it.
Our Lender Panel
Access to Australia's widest range of lenders means more choice, better rates, and a home loan tailored to your exact situation — not limited to a single bank's products. Every lender operates under distinct application criteria, evolving policies, and varying risk tolerances. Engaging an experienced mortgage broker can help navigate these differences and identify the lender best aligned with your individual circumstances.
Including all four major banks, specialist lenders, and non-bank alternatives — ensuring you always get the best deal.
Our People
Experienced professionals delivering strategic lending advice, seamless execution, and long-term financial confidence.
Principal Finance Broker
18 Years in the Industry
Founder and multi-award-winning broker specialising in strategic loan structuring for long-term portfolio growth. #1 SFG Top 50 Loan Writer and 2025 Broker of the Year.
Credit Representative (486040) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025
Meet Chris
Operations Manager
16 Years in the Industry
Highly organised finance professional ensuring smooth, efficient progress from submission to settlement. Nominated for Best Administrator by SFG.
Credit Representative (455589) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025
Meet Stephanie
Credit Analyst / Broker
15 Years in the Industry
Former banker with deep lender process expertise, crafting strong applications for consistently smooth approvals.
Credit Representative (549331) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025
Meet William
Credit Analyst
5 Years in the Industry
Detail-driven analyst focused on compliance, clarity, and client-first lending support.
Meet ReeceCentrally located in Sydney's CBD, Unconditional Finance is easy to reach from anywhere in the metropolitan area. Whether you prefer to meet in person, over the phone, or via video call — we're here seven days a week.
Refinancing can save you significant money if you move to a lower interest rate and the long-term savings outweigh the costs involved in switching lenders. A recent RBA study found that for loans 4+ years old, borrowers are charged an average of 40 basis points higher interest than newer loans, which can lead to significant extra interest payments.
A good broker performs a net benefit analysis, comparing long-term interest savings against refinancing costs. We calculate the break-even point for every client before recommending a refinance so you know exactly where you stand.
Before refinancing, it's essential to assess your current financial situation, including your credit score, outstanding debts, and how long you plan to stay in your home. If the numbers do not stack up, we will tell you.
From your initial assessment to settlement, the refinancing process typically takes four to six weeks. Brokers use specialised software to scan hundreds of loan products across multiple banks. Brokers can request pricing discounts from banks to secure rates below the published index.
The timeline depends on your new lender's processing speed, the complexity of your refinance application, and how quickly you provide documentation. To refinance, borrowers usually need to gather required documents such as pay slips, tax returns, and bank statements to process their application. We work to move things along as fast as possible.
Yes. Self-employed borrowers may need to provide two years of tax returns and business financials, but refinancing is definitely possible. We know which lenders are most accommodating for self-employed applicants and can structure your application accordingly.
A credit inquiry from the new lender may result in a small, temporary dip. However, multiple inquiries within a short window are typically counted as one.
Over time, refinancing can actually support a healthier credit profile if your new loan structure makes monthly repayments easier to manage. Your credit score plays a significant role in the interest rate and terms you can secure for your new mortgage, so reviewing your credit report and addressing any errors is crucial.
Yes, but be aware of potential break costs. If you exit a fixed rate loan before the term ends, your existing lender may charge a break fee. These can be substantial depending on the remaining fixed term and how interest rates have moved. We calculate break costs as part of your assessment so you can make an informed decision.
Your offset account balance with your old loan will need to be transferred to your new lender. Most lenders offer offset accounts as a standard loan feature. We ensure your new loan includes an offset account if that is important to your financial goals. Read our client success stories to see how other borrowers have benefited from refinancing with us.
This is a Priority 2 service for us. We take it seriously.
Founded by Chris Raymond, a two-time Broker of the Year and the #1 ranked loan writer with SFG, Unconditional Finance has refinanced thousands of Australian home loans. We hold an Australian credit licence (ACL 387025), are MFAA accredited, and operate in your best interest, not the lender’s.
Recognition
Year-by-year highlights of the awards earned by our brokers and business. Full list available on our Awards page.
Top Mortgage Employer · 2025
