Whether you're purchasing your first home, upgrading for a growing family, or securing your forever home, we help make the lending process simpler, clearer, and tailored to your goals.
Client Experiences
Trusted by homeowners, investors, and business owners across Australia.
Buying A Home
A home loan is more than a transaction. It's the foundation of your next chapter.
Many Australian homeowners are paying more on their mortgage than they need to. Lenders routinely offer sharper rates and better features to new customers, while existing borrowers sit on older products without realising the gap has widened. On a $500,000 loan, even a 0.5 percent rate difference costs roughly $2,500 a year in extra interest.
Refinancing is the process of moving your existing home loan to a new product, either with your current lender or a different one, to improve your rate, your loan features, or your overall position. ADA Financial Services compares lenders across our full panel, handles the paperwork, and manages the switch for owner-occupiers and investors across the Sunshine Coast and South East Queensland.
This page is general information only. Speak to a licensed broker for advice tailored to your situation.
Is refinancing the right move?
When refinancing makes sense
Refinancing makes sense when the savings outweigh the costs and the timing suits your situation. It is not always the right move, but there are clear scenarios where reviewing your loan is worth doing:
- Your fixed rate term is ending and you want to compare what is available before rolling to a higher variable rate
- Your property has increased in value and you now qualify for a lower LVR bracket with a competitive rate
- You want to access equity in your home for renovations, an investment purchase, or another purpose
- Your current loan is missing features like an offset account or the ability to make extra repayments without penalty
- Your financial position has improved since you first took the loan out and more options are now within reach
- You want to consolidate other debts into your home loan at a lower interest rate
Building wealth
Accessing equity through refinancing
A cash-out refinance lets you access the equity you have built in your property by increasing your loan amount. As your property value rises and your loan balance reduces, the gap between the two is equity you can potentially draw on.
- Equity can be used for home renovations, investment property deposits, vehicle purchases, or other significant expenses
- Most lenders allow you to access equity up to 80 percent of your property’s current value without triggering LMI
- The amount available depends on a current valuation the new lender orders as part of the refinance assessment
- Increasing your loan amount increases your debt and your repayments, so the decision needs to be weighed against your cash flow
Who We Help
Supporting buyers at every stage of the property journey.
First Home Buyers
Taking your first step into the property market can feel overwhelming. We simplify the process, explain your options clearly, and help you understand what to expect from pre-approval through to settlement.
Next Home Buyers
Whether you're upsizing, downsizing, or relocating, we help structure lending that aligns with your changing lifestyle and financial goals.
Growing Families
As life changes, so do property needs. We help families navigate the financial considerations involved in upgrading to a home that better suits their future.
High-Income Professionals
Complex income structures, bonuses, and self-employed income can require a more strategic lending approach. We help identify suitable solutions that reflect your unique circumstances.
Why work with ADA Financial Services
More than a broker. A long-term lending partner.
01
Lender Choice
We compare options across a broad lender panel, not just one or two banks
02
Cost Analysis
We identify whether the savings genuinely outweigh the costs before recommending a switch
03
Transparent Fees
Our fee is paid by the new lender at settlement in most standard cases, disclosed in writing upfront
04
Simple Process
We handle the paperwork and coordination between your old and new lender
05
Local Expertise
We are based on the Sunshine Coast and work across the full range of refinancing situations
How the refinancing process works
A straightforward approach to smarter lending.
01
Loan review
We assess your existing home loan, including your interest rate, remaining term, loan features, and any exit costs. This gives us a clear understanding of your current position and refinancing opportunities.
02
Lender comparison
We compare suitable home loan products across our panel of lenders, considering interest rates, loan features, lender policies, and overall value—not just the lowest rate.
03
Recommendation
Once we've identified the most suitable option, we provide a clear recommendation outlining the expected savings, costs, and break-even point. We then prepare and submit your application, managing the paperwork from start to finish.
04
Settlement
We coordinate the discharge of your existing loan and settlement with your new lender, keeping you informed throughout the process. Most straightforward refinances are completed within two to four weeks.
Understanding your options
Variable, fixed, or split after refinancing
When you refinance, you are also choosing a new loan structure. The option that suits you depends on your priorities at the time of switching.
We explain the trade-offs based on your situation rather than defaulting to whichever product has the lowest headline rate.
01
Variable rate
Flexibility, extra repayments, offset account access. Your rate moves with market conditions.
02
Fixed rate
Locks in a set repayment for one to five years, giving certainty but less flexibility.
03
Split loan
Fixes a portion while keeping the rest variable, balancing predictability with features.
04
Interest-only
May suit investors managing cash flow and tax deductibility, subject to lender approval and a set term.
Understanding your options
Fixed rate break costs
If you are on a fixed rate and considering refinancing before the fixed term ends, break costs are the most important number to understand first. A break cost compensates the lender for the loss they incur when you exit a fixed loan early, and the amount depends on how much time remains on your fixed term and how market rates have moved since you locked in.
We run a break-even analysis with you so you know at what point the switch pays for itself.
01
Break costs
Break costs can range from negligible to several thousand dollars depending on your lender, loan size, and remaining term
02
Cost comparison
They need to be weighed against the long-term savings of switching to a lower rate or better product
03
Written estimate
Always request a written break cost estimate from your current lender before committing to refinancing
Frequently Asked Questions
Answers to common home loan questions.
How do I know if refinancing is actually worth it?
Will refinancing affect my credit score?
Can I refinance if I am still on a fixed rate?
Do I need a new valuation to refinance?
How long does the refinancing process take?
How much equity can I access when I refinance?
Other Lending Solutions
Explore related services.
Start the Conversation
Not sure your current home loan is still working for you?
A loan review takes 15 minutes over the phone and tells you whether you are overpaying. If switching makes sense, we handle the rest. If it does not, we tell you that too.
Book a free consultation with an ADA Financial Services broker. No obligation.
General information only. Not financial, credit, or tax advice. Speak to our licensed brokers for advice tailored to your situation. Call us today on 0431 264 998