Lower your repayments
A more competitive interest rate or a better loan structure may reduce your repayments and help you pay less interest over time.
Refinance your home loan
Explore indicative lender options, see how your home loan could work better.
Mortgage Matrix refinance
Find a better refinance option
Choose your loan to compare indicative options.
Loan amount
Property use
Rate type
Repayment type
Loan to Value Ratio (LVR)60% · Under 60% LVR
40%60%70%80%95%
60% LVRmeans your loan is about 60% of your property's estimated value.
2 indicative options$500,000 loan · Under 60% LVR · Variable
Swipe to compare options
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates shown are based on a $150,000 secured loan over 25 years. Rates, repayments and options are indicative only and are not an approval, quote or personal recommendation. Eligibility, lender policy, servicing, valuation, LMI and final pricing must be confirmed by a Mortgage Matrix broker. The lender and product are confirmed after you submit the refinance enquiry.
Client stories
What our clients are saying
Real clients, real homes and real support from the Mortgage Matrix team.
Verified
Seamless and easy
“The application process was seamless and easy. I was able to save and go back when I needed to upload my documents.”
Taylor TRefinance
Verified
Great experience
“Zac looked after us and his service was great. We appreciate everything he has done for us.”
Jannicke IRefinance
Verified
Couldn’t be happier
“Zac was great. I couldn’t be happier with the outcome he achieved for me and will definitely use him again.”
Adam CPurchase
Verified
Professional and attentive
“Mortgage Matrix helped immensely when purchasing our first home. The team was very professional and attentive.”
Bridget MFirst Home Buyer
Verified
A broker who truly cares
“If you’re looking for a broker that truly cares and delivers outstanding service, look no further than Mortgage Matrix.”
Matthew MFirst Home Buyer
Verified
Made the process easier
“Zac was very easy to deal with, took the hard work out of sourcing a loan and personalised it to suit our needs.”
Megan HPurchase
Verified
Fantastic support
“Zac and Viren were fantastic brokers. They made the process clear and supported us throughout our first home purchase.”
Liam RFirst Home Buyer
Verified
Clear communication throughout
“Mortgage Matrix consistently demonstrated professionalism, clear communication and genuine care throughout the purchase.”
Holly SBuyer’s Agent / Purchase
Helpful refinance guides
Make a more informed move
Explore practical guides about refinancing, loan features and using your home equity before deciding what comes next.
Swipe to explore guides
Guide 1
Start here
Refinancing
6 reasons to refinance your home loan
Understand the main refinance options and how changing your rate, structure or loan purpose could support your goals.
Read guide
Guide 2
Loan features
Offset account vs redraw: what’s the difference?
Compare two common home-loan features and learn how each may help reduce interest while keeping your money accessible.
Read guide
Broker guide
Using equity
Unlocking your home equity to build wealth
Learn how usable equity is commonly calculated and the different ways homeowners may access it for another property or goal.
Read guideRefinance FAQs
Questions about refinancing?
See how simple it can be to review your current home loan, compare suitable options and move forward with support from our team.