Lower rates, better terms, more financial control
If you haven’t reviewed your loan recently, you could be overpaying. We help you refinance to lower your rate, reduce repayments, and unlock equity, fast.
Why refinance?
Most lenders don’t reward loyalty, they save the best rates for new customers. That’s why regular loan reviews are critical. Refinancing can help you:
Get a lower interest rate
Stop overpaying and secure a more competitive deal so you can pay your mortgage off faster.
Reduce repayments
Free up cash flow by lowering your monthly mortgage costs.
Access equity to invest
Use the equity in your property to fund renovations or grow your portfolio.
Consolidate debt
Roll high-interest debt (credit cards, personal loans) into a lower-rate home loan.
Switch to a loan that works for you
More flexibility, better features, and a structure that aligns with your financial goals.
Get the deal you deserve
We’ll review your setup and make sure your loan reflects where you’re at today, not where you started.
The right refinance strategy for you
Not all refinancing deals are the same, switching lenders isn’t always the best option. We help you refinance the right way, ensuring your loan supports your long-term financial success.
Rate reduction vs. loan features
We weigh up cost savings vs. loan flexibility so you get the best of both.
Avoiding unnecessary fees
We assess any break costs, discharge fees, or LMI implications before you switch.
Equity release for investment
Unlock funds to renovate, reinvest, or reduce your loan term.
Access to 70 lenders
We compare options to find the best refinance deal for you.
The biggest mistake borrowers make
Many homeowners and investors set and forget their loans, assuming their bank will offer them the best deal. The reality? Most lenders increase rates for existing customers while offering lower rates to new ones.
We make sure you get:
A competitive rate that saves you money
A loan structure that fits your lifestyle and financial goals
A strategy that positions you for long-term success
We simplify the entire loan process, from deposit options to lender choice, so you can buy with clarity, confidence, and a plan that works.
What out clients say
I’ve had an outstanding experience with OpenCorp. The whole process was seamless from start to finish. The team were professional, knowledgeable, and supportive throughout every stage. They made the entire journey, from finding the right property, securing finance, right through to property leasing and management completely stress-free.
Michael
We have 2 properties with Opencorp. They have a team of superstars ready to answer anything that needs addressing. Our experience was smooth and stress free, exactly what you want when starting out on an investment journey. Exceptional service 10 out of 10 and we have absolutely no hesitation in recommending Opencorp to anyone looking to start or build on their investment property journey.
Elise
Adrian
How to refinance step-by-step
Refinancing doesn’t have to be complicated. Here’s how we make the process simple and stress-free.
Refinancing FAQs
How do I know if I should refinance?
If you haven’t reviewed your loan in over 12 months, you could be missing out on lower rates, better features, and cost savings. A loan review will tell you if refinancing makes sense.
Does refinancing cost money?
It depends. Some lenders charge discharge fees, break costs, or new loan application fees. We assess all costs upfront to ensure refinancing actually saves you money.
Can I refinance if I have bad credit?
Yes, some lenders specialise in refinancing for borrowers with credit issues. We match you with the right lender to improve your financial position.
Can I refinance to access equity?
Yes, if your property has grown in value, you can use the equity for renovations, investments, or debt consolidation.
How long does refinancing take?
The full process takes 2-6 weeks, depending on the lender and loan complexity.
Can I refinance an investment property?
Yes, refinancing can help reduce investment loan costs, improve cash flow, and free up equity for your next property purchase.
Will refinancing affect my credit score?
Applying for a new loan may cause a temporary dip in your credit score, but long-term savings and better loan terms usually outweigh this.
Do I have to switch lenders to refinance?
Not always. We often negotiate better rates with your current lender, avoiding the hassle of switching.
Can I refinance if I’m self-employed?
Yes! We work with Low-Doc lenders who accept alternative income verification for self-employed borrowers.
How often should I review my loan?
We recommend a loan review every 12-24 months to ensure you’re not overpaying.
Get a better deal on your loan today
Don’t let your bank decide what you pay. Let’s make sure you’re on the best loan for your needs.