Refinancing

Switching lenders might be easier and more rewarding than you think.

Many homeowners stick with the same lender for years, not realising their loan has become outdated, rates have changed, features have improved. What worked when you first bought might not suit your financial goals today.

At Vita Finance, we do the heavy lifting, reviewing your current setup, comparing it across dozens of lenders, and showing you clearly if there’s a smarter way forward.

Why Clients Refinance with Vita Finance

  • Smarter Loan Structure

    It’s more than just chasing a lower rate. We help restructure your loan to suit your lifestyle and goals, splitting, fixing, offsetting, or reshaping repayments for tax efficiency or flexibility.

  • Lower Your Repayments

    We regularly find clients are paying more than they need to. Whether it’s accessing a sharper rate or switching to a new-to-bank offer, the savings can add up fast.

  • Unlock Your Equity

    Planning renovations, investing, or want a financial buffer? We can help release equity from your home safely, and in a way that won’t overextend you.

  • Consolidate Debts

    Wrapping high-interest debts (like credit cards or car loans) into your home loan can simplify repayments and reduce interest costs, but only if it’s structured with care. That’s where we come in.

  • Cashback Offers

    Many banks now offer thousands in rebates for new customers. We’ll help you make the most of these opportunities, without switching for the wrong reasons.

  • Keep Your Rate Competitive

    Lenders rarely call to let you know there’s a better deal. We do. Ongoing loan reviews are part of the service, so you’re never paying more than you should.

  • Boost Tax Outcomes (For Investors)

    Restructuring debt between your home and investment properties can have real tax benefits. We work closely with your accountant to ensure your setup supports both compliance and strategy.

  • Most refinances cost around $700–$800 in a lender discharge fee and government fees to switch our your mortgage. A small cost to improve your position, often more than covered by the benefits achieved by completed the refinance. We’ll give you a clear breakdown upfront and only recommend switching when the savings make sense.

Refinancing Shouldn’t Be a Chore

We handle the paperwork, liaise with the banks, and keep you updated throughout. Whether you’re refinancing to reduce repayments, invest, renovate, or just get a better deal, we’ll help you make the move with confidence.