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Refinance
Explore options to review or restructure your existing home or investment loan.
Who this may suit
Borrowers whose fixed rate period is ending
Homeowners looking to reduce monthly repayments
Borrowers who want to access available equity
Those consolidating multiple debts into one loan
Borrowers who feel their current lender is no longer competitive
Common use cases
Switching to a lower interest rate
Moving from variable to fixed or split rate
Accessing equity for renovations or investment
Consolidating personal loans or credit cards
Reducing loan term or adjusting repayment frequency
Improving loan features such as offset or redraw
Documents commonly required
Valid photo ID
Most recent home loan statement(s)
Council rates notice or title details for the property
Recent payslips or tax returns (self-employed)
Last 3–6 months bank statements
Details of any other debts, credit cards or commitments
Important considerations
Break costs may apply if leaving a fixed rate loan early — these can be significant
Refinancing resets your loan term unless you shorten it intentionally
Equity position affects LVR — lenders may require a property valuation
All fees and charges must be weighed against potential savings
Serviceability is re-assessed at the time of application — income and expenses are reviewed
All lending subject to lender assessment, credit criteria and final approval
Ready to explore your options?
Start a lending enquiry
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Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.