Find out whether your investment loan is still competitive
A free review tells you exactly where your loan stands. Here's how we work through it with you, step by step.
Where you stand
Before you decide anything, it helps to know two numbers: what you currently owe, and how much usable equity you have to work with.
For educational purposes only. Open the full calculator for more detail.
Not sure where you stand? Take the 2-minute Investor Ready Quiz.
When to refinance
If any of these sound familiar, your loan is due for a review.
Lower your repayments
A lower interest rate can save thousands over the life of your loan and improve your monthly cash flow.
Release equity
Access the growth in your property to fund your next investment purchase.
Restructure your loan
Review your repayments, loan splits, offset accounts and interest-only options to better suit your goals.
Support your next purchase
Done well, refinancing can put you in a stronger position for your next investment.
How we get you there
Five steps, most of them ours. You'll know the net benefit in writing before anything is lodged.
Tell us about your current loan and your goals. We'll compare your loan against the market and let you know whether refinancing is worth considering.
We compare any savings against every switching cost, including discharge fees and break costs, so you know the real financial outcome before making a decision.
If refinancing makes sense, we'll recommend the lender, loan structure and features that best support your investment goals, whether that's reducing repayments, releasing equity or preparing for your next purchase.
From the application and valuation through to discharge and settlement, we'll manage the entire refinance and keep you updated throughout.
Your loan shouldn't sit untouched for years. We'll continue reviewing your lending as rates, policies and your investment plans change.
Indicative ranges only. Actual costs vary by lender, loan and state. We put the full cost/benefit in writing before you commit.
Note that the negative gearing and CGT reforms commencing 1 July 2027 change how rental losses are treated for established properties bought after 12 May 2026, so it's worth understanding before an equity-release purchase.
As always, we structure the loan; your registered tax agent confirms the tax treatment.
Get a free rate reviewWhat refinancing actually costs
Refinancing isn't free, but the costs are usually modest, one-off, and quickly recovered if the rate gap is real. Never switch without a full net-benefit calculation.
| Cost | What it's for | Rough guide |
|---|---|---|
| Discharge fee | Your current lender closing the loan | $150–$400 |
| Break costs | Only if exiting a fixed rate early | Varies (can be significant) |
| Application / settlement fees | The new lender's setup costs | $0–$1,000 (often waived) |
| Valuation | New lender valuing the property | Often free for standard properties |
| Government fees | Mortgage discharge & registration | $200–$400, varies by state |
Does refinancing affect your tax deductions?
Refinancing an investment loan generally doesn't change the deductibility of the interest, but what you do with the released equity can.
Interest deductibility follows the purpose of the borrowing. Refinance an investment loan like-for-like, and the interest generally remains deductible. Draw out equity and spend it on a new investment property, and that borrowing is generally deductible too. Draw it out for personal spending, and it generally isn't, which is why loan splits that keep purposes separate matter so much at tax time.
What our clients say
You deal with Scott directly, start to finish. The investors who've already refinanced with us say it best.
“Scott was amazing very professional and patient with me throughout my this process I couldn’t have done it without him I will definitely recommend him to all my family and friends thank you so very much Scott”
Refinance questions, answered
The questions investors ask us most.
How much could I save by refinancing?
What does it cost to refinance an investment loan?
How long does refinancing take?
Can I ask my current lender for a better rate instead?
Can I release equity and refinance at the same time?
How often should I review my investment loan?
Last updated: July 2026
This page is general information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, financial or tax advice. Figures are indicative estimates that vary by lender, state and property and can change, so we confirm your real numbers before you act. For tax questions, speak to a registered tax agent or accountant. Scott Lung, credit representative 567904 of Purple Circle Financial Services Pty Ltd (Australian Credit Licence 486112).
Find out if you're overpaying
It takes 15 minutes, it's free, and there's no obligation to switch. We just show you what's available.