Refinance

The best refinance is the one you never need.

Here's something we're genuinely proud of: the vast majority of our long-term clients have never needed to refinance. Not because refinancing is difficult — but because we've made sure they haven't had to.

Since 2013, we've worked hard to ensure that our clients' interest rates are competitive from the day their loan settles and remain competitive over the life of the loan. That means regular check-ins, proactive repricing conversations with lenders and a genuine ongoing relationship — not a transactional one. When we can reprice a client's loan with their existing lender rather than put them through the cost and effort of refinancing, that's the right outcome for them and that's what we do.

Refinancing has its place. But it should never be the default — and it should never be necessary simply because a broker went quiet after settlement.

Why borrowers who deal direct with their lender often pay more

Your bank will not call you to offer a better rate. That's not how it works.

Lenders rely on inertia. Once a borrower is set up and repaying, the incentive to offer better pricing disappears. The rates reserved for new customers — prominently advertised to attract business — are rarely offered to existing ones unless specifically requested, and even then only under pressure.

Borrowers who deal direct, without a proactive broker monitoring their position, typically find themselves drifting onto uncompetitive rates over time. The gap between what a loyal long-term customer pays and what a new customer gets at the same bank can be substantial — and it compounds every year it goes unaddressed.

Dealing direct with your lender	Working with TS Finance Broking
You're responsible for monitoring your own rate. Your bank has no incentive to proactively improve your pricing. You may not know what competitive looks like, or how to apply pressure effectively. Rate reviews happen when you initiate them - if ever.	We monitor your rate on an ongoing basis. We know the market and we know when your rate has slipped out of step with it. We approach your lender on your behalf, benchmark against alternatives and create the competitive tension needed to get results - without you having to ask.

When refinancing is the right answer

While our existing clients rarely need to refinance, there are genuine situations where moving lenders is the right call. Here are the most common ones we work through:

Situation	Why it matters
Rate no longer competitive	If you've been with the same lender for years without a review - and particularly if you've been dealing direct rather than through a proactive broker - there's a strong chance your rate no longer reflects your risk profile or the current market. A review costs nothing. The savings from acting can be significant.
Fixed rate expiry	When a fixed rate term ends, borrowers can automatically roll onto the lender's standard variable rate - which is rarely the most competitive option available. This is a natural trigger point to review the full market rather than simply accepting whatever the existing lender offers.
Interest only period expiring	Investment loans are often set up on interest-only repayments for a fixed term, typically three to five years. When that period expires and the loan reverts to principal and interest, repayments can increase materially. This is often a good time to review the structure, the lender and the rate all at once.
Equity release	If your property has grown in value and you want to access that equity - for renovations, an investment purchase, or another purpose - refinancing can be the mechanism to unlock it. We'll structure the release correctly and use the opportunity to ensure the new facility is competitively priced.
Property value increase - lower LVR	If your property has increased significantly in value since you took out your loan, your LVR may have improved to a point where you qualify for better pricing. Lenders price risk in bands - and crossing into a lower LVR tier can unlock a meaningfully better rate, sometimes without needing to refinance at all.
Loan structure no longer suits your needs	Circumstances change. You may need to consolidate debt, restructure across multiple properties, add or remove a guarantor, or change between individual and trust ownership. Sometimes a refinance isn't primarily about rate - it's about getting the structure right for where you are now.

JM

John Marton

I highly recommend TS Finance and Jadyen Li in particular. They made both the purchase of my Seaford home and the refinance process incredibly smooth and stress-free. Their expertise, communication, and attention to detail were outstanding, and they worked hard to secure the best outcome for me each time. Professional, responsive, and genuinely invested in their clients' success.

MS

Martin Seehuusen

Superb service, knowledge and friendliness. We are very happy that family put us in contact with Tim and his crew. It's been a great outcome each and every time!

SW

Shannon Wilkins

Tim you and your team were very helpful though out the whole process answering our questions very quickly and giving us advice all the way through the whole process. Would recommend you to anyone.

How we approach a refinance review

Whether you're an existing client coming up for review or a new client getting a second opinion for the first time, our process is the same.

We review your current loan — rate, structure, features, lender and remaining term
We benchmark it against current market offerings across our lender panel
We assess whether your LVR has improved due to property value growth or principal reduction
We determine whether a reprice with your existing lender is achievable before pursuing a full refinance
If refinancing is warranted, we identify the right lender, structure the application and manage the process end to end

In many cases, we're able to achieve a better outcome for clients without them needing to change banks at all. When a full refinance is the right move, we make it as straightforward as possible.

Is refinancing worth it? We'll tell you honestly.

Refinancing isn't free. There can be discharge fees from your existing lender, application and/or settlement fees with the new lender and mortgage re-registration costs. These need to be weighed against the ongoing savings from a better rate.

We do this calculation for every client before recommending a refinance. If the numbers don't stack up, we'll tell you. Our job is to get you the best outcome, not to generate a transaction.

Why clients choose TS Finance Broking for their refinance

We're proactive — our existing clients rarely need to refinance because we stay on top of their rate before it becomes a problem
We have genuine market knowledge — we know what competitive looks like across a broad lender panel at any given time
We assess reprice before refinance — we'll always try to improve your position with your existing lender first if it's achievable
We're honest about the numbers — if a refinance doesn't make financial sense, we'll tell you
We manage the process — from application through to settlement, including liaising with your existing lender on discharge
We set you up for the long term — not just a better rate today, but ongoing monitoring to make sure it stays that way

Not sure if your rate is still competitive? Let's find out.

A rate review costs nothing and takes very little of your time. If there's a better position available to you, we'll find it. If you're already in good shape, we'll tell you that too. Book an appointment and let's take a look at where you stand.

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