refinance home loan finder: smarter comparisons for real savings

What a finder actually does

A dedicated refinance home loan finder pulls together rates, fees, and policy quirks from multiple lenders so you can benchmark your current mortgage in minutes. Instead of chasing brochures, you see apples-to-apples comparisons, including comparison rates, break costs, and promotional offsets.

How to use one effectively

Start with your current balance, remaining term, and credit profile. Then filter by purpose, LVR, and features like redraw or offset accounts. A good tool should surface total cost over time, not just the headline rate.

• Check the revert rate after any intro period.
• Weigh fees against savings over your expected hold time.
• Model extra repayments to see real interest saved.
• Confirm valuation and discharge timelines to avoid overlap interest.

Expert tips before you switch

Ask for a pricing review from your current lender; a finder quote can strengthen your case. If refinancing, lock your rate only when approval is near, and keep documents ready: income, statements, and ID.

1. Get at least three comparable quotes.
2. Stress-test repayments at +2-3% rate.
3. Avoid cashbacks that erase value with higher ongoing rates.