Refinance

Unlock Significant Savings With Refinancing
Refinancing isn’t just about reducing your monthly payments; it’s about maximizing your financial gains over time. By refinancing, you can potentially save thousands in interest and accelerate your journey to a mortgage-free future.
Consolidate and Save
Do you find yourself juggling multiple high-interest loans with hefty repayments? It’s time to simplify your finances. Consolidate your loans and refinance with Proteger Financial Solutions to enjoy lower rates and manageable payments.
Don’t Overpay on Your Mortgage
If you haven’t reviewed your mortgage in the last two years, chances are you’re overpaying. Take control of your finances and explore our refinancing options today. Let us help you secure a better deal and save on your mortgage payments.
Start Saving Today
With Proteger Financial Solutions, refinancing is more than just a money-saving strategy – it’s a pathway to financial freedom. Contact us now to learn how you can benefit from refinancing and take the first step towards a brighter financial future.
Why Choose Proteger Financial Solutions?
Navigating the home loan market can be overwhelming, and that’s where Proteger Financial Solutions comes in. Here’s why partnering with us can make your journey smoother:
Our team of seasoned finance professionals has in-depth knowledge of the Australian property market and is well-versed in the intricacies of various government schemes and grants. We can also guide you on the process of making an offer.
We understand that every individual’s financial situation is unique. We take the time to understand your goals and tailor financial solutions that align with your needs and aspirations.
As an independent finance broker, we have access to a wide network of lenders.. Our wide network allows us to shop around and find the best mortgage deal that suits your financial circumstances.
Navigating the paperwork and financial details involved in buying your first home can be time-consuming. Our team ensures a streamlined process, guiding you from application to settlement.
Don’t navigate the complex world of refinancing and debt consolidation alone. With Proteger Financial Solutions you can enjoy a seamless experience that puts you on the path to homeownership. Contact us today, and let’s turn your dream of owning your home into a reality!
Home Loan Calculators
We offer a great range of home loan solutions.
FAQ's
Refinancing can help you:
- Secure a lower interest rate to save on repayments.
- Access better loan features, such as offset accounts or redraw facilities.
- Consolidate debts into one manageable loan.
- Tap into your home equity for renovations or investments.
At Proteger Financial Solutions, we’ll assess your needs and guide you through the benefits to ensure refinancing aligns with your financial goals.
Refinancing could be a smart move if:
- Your interest rate is higher than current market rates.
- You want to access your equity.
- Your financial goals have changed, such as consolidating debt or reducing repayments.
- You have been with your current lender for more than 2-years. You may be paying a “loyalty tax”
Proteger Financial Solutions will review your circumstances and help determine if refinancing is the best path forward for you.
Refinancing costs can include:
- Discharge fees: Fees from your existing lender.
- Establishment fees: Charges from your new lender.
- Valuation fees: To assess your property’s current value (often the valuation fees are absorbed by the incoming bank)
- Government fees: Such as mortgage registration fees.
We’ll calculate these costs and compare them to your potential savings to ensure refinancing delivers value.
Refinancing usually takes 2-6 weeks, depending on factors like:
- Your lender’s processing times.
- The complexity of your financial situation.
Proteger Financial Solutions will streamline the process, minimising delays and stress so you can start benefiting sooner.
Typically, you’ll need:
- Proof of income (e.g., payslips or tax returns).
- Details of your existing loan.
- Evidence of expenses and liabilities.
- Property information (e.g., valuation).
We’ll provide a detailed checklist to ensure you’re fully prepared for a smooth refinancing experience with Proteger Financial Solutions.
Key features to explore include:
- Offset accounts: To reduce the interest payable on your loan.
- Redraw facilities: To access extra repayments when needed.
- Flexible repayment terms: Options for interest-only or variable repayments.
- Fixed or variable interest rates: Flexibility of repayments, or protection against interest rate increases
We’ll help you match these features with a loan tailored to your lifestyle and financial goals.
A fixed rate offers repayment stability, while a variable rate provides flexibility to benefit from rate drops.
Our experts at Proteger Financial Solutions will guide you through the pros and cons of each option to find the right fit for your needs.
Yes, refinancing allows you to unlock your home equity, which you can use for:
- Renovations or upgrades.
- Investments or purchasing another property.
- Covering major expenses, like education or travel.
Proteger Financial Solutions specialises in helping clients strategically access their equity while keeping costs manageable.
Yes, refinancing can combine high-interest debts (e.g., credit cards or personal loans) into your home loan, often at a lower interest rate.
We’ll help you structure your loan to simplify repayments and reduce overall costs.
Most lenders prefer at least 20% equity, but some allow refinancing with as little as 5% equity (often with Lenders Mortgage Insurance).
With Proteger Financial Solutions’ extensive lender network, we’ll assess your equity position and explore the best options for your situation.
Yes, but your options may depend on factors like:
- Changes in income or employment.
- Your credit score and current debts.
We’ll review your current financial situation and find solutions tailored to your unique circumstances.
Avoid pitfalls like:
- Focusing solely on interest rates without considering fees.
- Refinancing too frequently and incurring extra costs.
- Not aligning your new loan with your long-term goals.
Proteger Financial Solutions will guide you through the process to avoid costly mistakes and maximise your benefits.
You should review your loan every 1-3 years or if:
- Interest rates drop significantly.
- Your financial goals or situation change.
Proteger Financial Solutions review your loan at least annually to ensure it remains competitive and aligned with your needs.
Benefits:
- Lower interest rates and repayments.
- Access to better loan features.
- Debt consolidation and equity release.
Risks:
- Upfront costs, such as exit fees.
- Longer loan terms increasing overall interest.
We’ll help you weigh the pros and cons, ensuring refinancing is a sound financial decision for you.
EXCELLENT Based on 46 reviews shailesh V28. November, 2023Trustindex verifies that the original source of the review is Google. Alf and team have been very easy to deal with. They are knowledgeable with providing their services as well as guidance on what needed to be done next… we could have not asked for any better after we found Proteger Financial Solutions. Alf and team made sure we got the best rates in this ever-rising interest rate market. We can only praise their performance and the continued communication even on their time off while we had tight deadlines. They definitely know what they are doing and I would not hesitate recommending them to anyone. Thank you very much Proteger! rasik pindoria4. November, 2023Trustindex verifies that the original source of the review is Google. Great work by Alf and team. Proactive, knows the timeframes and deadlines to meet. Despite other unprecedented challenges we had that kept pushing finance further, Alf guided us through the journey. Alf recommended and advised us on the best options available in the market. Flexible to meet client pre/post work hours. Highly recommended. Brett Thompson1. November, 2023Trustindex verifies that the original source of the review is Google. Alf Kandiah, from Proteger Financial Solutions, conducted a full review of our corporate finance facilities in order to secure better facilities and terms for our business. I was super impressed with Alf's network of contacts within the banking sector, which made it possible to deal with the right people and get better terms and rates than I would've expected. Alf was relentless in squeezing the banks for the very best terms, so much so that he exceeded our expectations when it came to interest rates on our borrowings. Alf was very easy to deal with and always responded very quickly. I cannot recommend Alf and Proteger highly enough. Anu Kadurugamuwa6. October, 2023Trustindex verifies that the original source of the review is Google. Proteger Financial Solutions helped us purchase our home. Throughout the process, they were professional, engaged and committed to delivering the best solution to fit our needs. Niranjan, who handled our application, went above and beyond to guide us through the process, and his expertise, approachability and professionalism made things stress-free. Our thanks to Niranjan and the team! Suneel Vaghjiani7. August, 2023Trustindex verifies that the original source of the review is Google. Helpful advise from the team(Alf). Great communication and assisted through settlement. Highly recommend Proteger Financial Solutions to family and friends. Ashlei Otway22. June, 2023Trustindex verifies that the original source of the review is Google. Right when I had given up on getting into a home that was right for us, Rob was recommended to us and then the perfect property fell into our lap. It wasn't an easy process from beginning to end but Rob and his team took away the stress and worked through every road block we encountered with incredible patience and efficiency. I would not hesitate to recommend Rob and the team to help you with all your finance needs. Thank you very much once again, we will be forever grateful. Matt & Ash Korri Edwards21. June, 2023Trustindex verifies that the original source of the review is Google. Polite and efficient, and able to overcome the hurdles that presented themselves at settlement. Thanks Rob:-) Justin Ward-Dickson19. June, 2023Trustindex verifies that the original source of the review is Google. Alf made a daunting task an easy and pleasant experience. He took out all the stress normally associated with obtaining finance and walked us through every step, in fact he did most of the work for us. I have no hesitation recommending Proteger for all of your finance needs . Bhavesh Panchani8. June, 2023Trustindex verifies that the original source of the review is Google. Excellent and very professional service by the Proteger Financial Team. Alf Kadaai was brilliant and did an outstanding job with recommending options, following up on my documents and advicing me to choose the best solutions at every stage of purchasing in such a difficult time in the market at the moment. I would like to Thank you and your team for the wonderful professional service you have provided!🙏🙏 Chris Williams7. May, 2023Trustindex verifies that the original source of the review is Google. I recently had Niranjan Kandiah assist with some bridging finance for my downsizing grandparents. I could not have asked for better service. Niranjan promptly found a suitable lender and was willing to put himself out to ensure that a loan with some unorthodox features was arranged and settled within a tight timeframe. I would readily recommend to anyone needing assistance in this space.
