Refix your home loan to the right rate for you
Stay ahead with tailored refixing advice and peace of mind.
Is it time to refix your home loan?
Refixing your home loan allows you to review your current interest rate and loan term to ensure they still align with your financial goals.
Refixing made simple and strategic
Refixing your home loan can be an excellent opportunity to reassess your current rate, explore new products, and ensure your mortgage continues to work in your best interest.
It’s also a great time to gain clarity around how upcoming rate reviews or term changes could impact your repayments and long-term financial goals.
As part of this process, we’ll take a close look at your current loan structure and upcoming rate period, compare options across a range of lenders to identify the best refixing opportunities, and clearly outline the pros and cons of each term. From application to settlement, we’ll guide you through every step to make the transition seamless and stress-free.
Why choose Home Loan Factory for refixing your home loan?
Independent advice across multiple lenders – not tied to one bank
Experienced team that keeps you informed and in control
Transparent process, no surprise costs, and our Fee‑Free Guarantee applies for eligible clients
Responsive advisers with a focus on long‑term outcomes, not just short‑term deals
What’s the difference between refixing and refinancing?
Refixing is changing the term or rate of your current mortgage within the same loan, while refinancing usually means switching lender or restructuring your loan.
Is there a cost to refixing?
Typically fewer costs than full refinance, but some lenders may charge a small fee – we’ll check this for you.
When is the best time to re‑fix?
Many clients review when their current fixed term is ending or if their rate is significantly higher than market rates. We’ll help you time it.
Can I refix if I still have several years left on a fixed term?
Yes – depending on lender rules and your overall loan structure; we’ll evaluate your options.
Helpful resources for refixing your home loan
