Refinance with confidence
If your rate isn't competitive anymore — or your goals have changed — refinancing could save you thousands or unlock equity. We compare your loan against 20+ lenders and only suggest switching when it genuinely stacks up.
Refinancing means replacing your existing home loan with a new one — ideally with a better rate, lower repayments, or features that suit you better. It can also let you access the equity you've built for renovations, investing, or consolidating higher-interest debt.
We start by reviewing your current loan and goals, then compare what's available across major banks and specialist lenders. We factor in the real numbers — including any break or exit costs — so you can see whether switching actually leaves you in front.
If it doesn't make sense, we'll tell you. And if it does, we handle the application and lender paperwork, and stay on to review your loan over time. Our service is free — we're paid by the lender on settlement.
Why choose Impact Home Loans
A genuine rate comparison
We benchmark your current loan against 20+ lenders, so you know whether you're still getting a fair deal.
Unlock your equity
Use the equity in your home for renovations, an investment property, or to consolidate higher-interest debts.
We do the maths
We factor in break costs, fees and LMI so the savings we show you are real — not just a headline rate.
No cost to you
Our advice is free — the lender pays us on settlement, and we'll flag any fee up front.
How it works
Working with us is simple
Three easy steps — and we handle the heavy lifting in between.
- 1
A friendly chat
We get to know your goals — buying, refinancing or investing — and what matters most to you.
- 2
Options & strategy
We compare 20+ lenders, bring you tailored options in plain English, and handle all the paperwork.
- 3
Settle & beyond
We guide you through approval and settlement — then keep an eye on your loan so it stays competitive.
Our lender panel
Accredited with 20+ of Australia's leading lenders
We're not tied to any one bank — we compare your options across the market to find the right loan at a competitive rate.
Frequently asked questions
Reviews
Don't just take our word for it
Very professional, reliable and honest. Always willing to take the extra step to ensure a satisfactory result is achieved.
Dilshani and Impact Home Loans made the experience of applying for refinancing as smooth as possible. As I am self employed, getting a loan can prove to be more difficult than an employee loan, but Dilshani was there with us every step of the way. Highly recommend Dilshani and her team.
We have no hesitation in recommending Dilshani to family and friends. Her service and communication consistently go above and beyond anything we have experienced elsewhere. She has helped us with both purchasing and refinancing, and her ability to secure the best possible outcomes while making the entire process easy and seamless is second to none. We truly appreciate her professionalism, expertise, and dedication, and would highly recommend her to anyone looking for a mortgage broker.
I would like to thank Dilshani and her team for providing the best option to suit my circumstances and assisting me throughout the process to achieve a positive outcome. Excellent service and highly recommended.
We are very pleased and grateful for the smooth transaction with Impact Home Loans, especially with the assistance of Dilshani and Jennifer. Thank you for your professionalism, guidance, and support throughout the process.
Dilshani has been looking after our family from when we bought our land through to refinancing for better rates. She has excellent customer service, works extremely fast and the process is always smooth. I highly recommend Impact Home Loans and Dilshani as a broker.
excellent service
Dilshani from Impact Home Loans has been our greatest asset in our journey to acquiring our dream property. From helping us reach unconditional approval within a strict timeline, to also helping us navigate the current state of the housing market to ensure we make the right moves, Dilshani has provided a service that goes above and beyond. Her approach that was tailored specifically for us ensured we got the best possible loan/rates and most importantly, helped us acquire our dream home. We can't thank Impact Home Loans enough and highly recommend Dilshanis services to all those in search of a home.
I’ve worked with Dilshani for many years and she has always gone above and beyond to help me. Her dedication, knowledge, and support have been invaluable. I have nothing but praise for her and highly recommend her services.
We had an excellent experience with Dilshani during the process of buying our Land and Home. She made a process of stress free and straight forward. We felt very supported throughout the entire process and would recommend Dilshani to anyone who is looking for a mortgage broker. Thanks again Dilshani for all of your support!
Ready to get started?
Tell us a bit about what you're after and we'll be in touch — no cost, no obligation.