Your Trusted Refinance Home Loan Broker in Perth - Break Costs in Writing First, Real Lender Choice, and Honest Local Guidance Even When Staying Put Wins
As your refinance home loan broker in Perth, we do the hard part for you. Ezy Loans reviews your current loan, compares every refinance home loan Perth lenders will offer you across a panel of dozens, and finds a sharper deal.
That might mean lower repayments, a better structure, or releasing equity for your next move. From the first review through to settlement, we handle all of it.
You should not stay stuck on a rate that no longer suits you. That is exactly what a refinance home loan broker in Perth is for. We compare lenders, negotiate on your behalf, and manage the switch, including debt consolidation where it genuinely helps.
Run the numbers yourself first if you prefer. Our switching calculator shows the break-even point before you commit to anything.
The Bottom Line: A refinance home loan broker in Perth gives you access to many lenders in one place, sharper pricing, and expert help with equity release Perth homeowners can actually use. Talk to Ezy Loans for free, obligation-free advice today.
Smarter Home Loan Refinancing From Expert Local Brokers For Rate-Weary Homeowners, Equity Unlockers, Debt Consolidators, Fixed-Rate Rollovers, Renovators
Refinancing should not be a gamble. As your refinance home loan broker in Perth, Ezy Loans gets your break cost figure in writing, compares [LENDER_COUNT] lenders, then manages the switch only when the numbers genuinely stack up.
Powered By Australia's Leading Lenders
Because we work through the Australian Finance Group panel, your loan is compared across [LENDER_COUNT] banks, credit unions and specialist lenders at once. Your own lender is compared too, because a retention offer sometimes beats every switch available.
From Review To Settlement, Step By Step
Your refinance home loan broker in Perth makes switching simple, from the first free review through to settlement with your new lender.
Free Loan Review
We review your current rate, balance and remaining term, then request your break cost figure in writing before anything else happens.
Compare and Find Savings
We compare every refinance home loan Perth lenders will price across [LENDER_COUNT] options, over your existing remaining term rather than a fresh thirty years.
Prepare and Submit
We prepare the application, order the valuation and submit to your chosen lender, then chase the assessor for you.
Settlement and Switch
We manage the discharge and the switch, including any equity release Perth homeowners want built into their <a href="https://ezyloansaustralia.com.au/home-loan-pre-approval-broker-in-perth/">next purchase</a>.
BEFORE YOU SWITCH
What Leaving Your Current Lender Actually Costs
Every refinance comparison starts with the saving. It should start with the cost. Five separate charges apply when you leave a lender in Western Australia, and one of them is calculated rather than fixed. Get all five in writing before you compare a single interest rate.
Cost | Charged by | Fixed or calculated | Why it matters |
|---|---|---|---|
Discharge fee | Your current lender | Fixed, set in your contract | Applies on every switch, fixed or variable |
Break costs | Your current lender | Calculated, and can be very large | Only on fixed loans, and this figure decides most refinances |
Mortgage discharge fee | Landgate, WA | Fixed, set by the state | Removes the existing mortgage from your title |
Mortgage registration fee | Landgate, WA | Fixed, set by the state | Registers the new lender against your title |
Lenders mortgage insurance | The new lender | Calculated on your equity | Does not transfer, so it can be charged twice |
Break costs are not a penalty and they are not a set fee. They are calculated on the gap between your fixed rate and the lender’s current funding cost across the remaining term. On a fixed loan, ask for that figure in writing before doing anything else.
ASKED BY PERTH HOMEOWNERS BEFORE THEY SWITCH
What Perth Homeowners Ask a Refinance Home Loan Broker in Perth
How do I work out my break-even point on a refinance?
Divide your total switching cost by your monthly saving. The answer is the number of months before the switch pays for itself.
Under twelve months is usually worth doing. Twelve to twenty four depends how long you are keeping the property. Beyond that the case is weak unless something structural is driving it, such as releasing equity or escaping a product that no longer fits.
What will it cost me to leave my current lender?
Expect a discharge fee, state mortgage registration and discharge fees, a settlement fee, and on a fixed loan, break costs.
Break costs are the one that catches people. They are not a fixed penalty, they are calculated on the gap between your locked rate and the lender’s current funding cost. Ask for that figure in writing before anything else, because it often decides the answer.
Should I ask my current lender for a better rate first?
Yes, always. Lenders hold pricing discretion for existing customers and frequently use it when a discharge looks likely.
You may get most of the saving with none of the switching cost. We will tell you to do this before we suggest moving you, because a refinance mortgage broker in Perth who never recommends staying put is not giving you advice, only a transaction.
Will I have to pay LMI again when I refinance?
Possibly. Lenders mortgage insurance does not transfer between lenders, so if your equity is still under twenty percent you can be charged again.
If your property has risen in value since you bought, a fresh valuation may put you above the threshold and remove the problem entirely. We order an upfront valuation before committing you to anything.
"A good refinance is not always a switch. Sometimes the best outcome is one phone call to your existing lender, and we will tell you plainly when that is the case."
- Amrinder Singh, Credit Representative 505232, Ezy Loans Australia
The Refinance Broker Perth Homeowners Actually Trust
A panel of [LENDER_COUNT] lenders, sharper pricing, and a refinance home loan broker in Perth who works for you rather than a bank. Built on trust earned one Perth settlement at a time.
Real Lender Choice
Access to a panel of [LENDER_COUNT] lenders, so your refinance home loan Perth wide reflects the sharpest pricing available rather than one bank's offer.
Licensed and Accountable
Credit Representative 505232 under Australian Credit Licence 377294, with a legal best interests duty on every refinance we arrange for you.
Genuine Savings Focus
As a refinance mortgage broker in Perth we recommend switching only when the break-even genuinely works, discharge and registration fees included.
Obligation-Free, Start To Finish
Our advice costs nothing, and your refinance home loan broker in Perth manages the entire discharge and switch, so it stays effortless.
WHERE WE WORK
Refinances We Handle Across Perth
Our office is at 905 Hay Street in the Perth CBD, and we work with buyers right across the metropolitan area. Most conversations happen by phone or video at a time that suits you, so location is never the limiting factor.
Perth CBD, Joondalup, Wanneroo, Ellenbrook, Midland, Morley, Bayswater, Scarborough, Cottesloe, Fremantle, Cockburn, Rockingham, Baldivis, Mandurah, Armadale, Gosnells, Canning Vale, Southern River, Butler, Alkimos
Buying outside the metro area or interstate? We arrange lending Australia wide, so a move later does not mean starting again.
Questions About Refinancing in Perth
It can be worth refinancing when rates have dropped, your fixed term is ending, your equity has grown, or your current loan no longer suits your needs.
As your refinance home loan broker in Perth, we review your loan for free and say honestly whether switching would genuinely save you money.
Savings depend on your balance, your current rate and the new one. Even a small drop can save thousands across the life of a loan.
We compare across dozens of lenders and show you the real numbers before you decide. Moneysmart sets out the switching costs to watch.
In most cases our refinance home loan broker in Perth service is free to you. We are paid by the lender once your loan settles, not by you.
So you get expert help comparing dozens of lenders and switching at no cost, with no obligation to proceed.
A refinance involves a credit enquiry, which can leave a small mark. Applying to many lenders at once affects your score more than one targeted application.
We match you to the right lender first, so we avoid unnecessary enquiries and protect your credit.
Yes. Debt consolidation rolls higher-interest debts into your home loan, which can lower total repayments, though it may stretch them over a longer term.
We show you whether it genuinely helps before recommending it, and we do the same for any equity release Perth borrowers are considering.
Refinancing often takes a few weeks, depending on the lender, valuation and your old lender's discharge process.
We prepare everything and chase both lenders for you, so your refinance settles as quickly as possible.
Amrinder Singh
Amrinder Singh has arranged residential and asset finance since 2019 and founded Ezy Loans Australia at 905 Hay Street, Perth. As a refinance home loan broker in Perth he also handles first home, investment, construction, self employed and vehicle finance. Credit Representative 505232 under Australian Credit Licence 377294.
- Break-even worked out before you commit to switching
- Break costs and discharge fees obtained in writing first
- One licensed Perth broker managing both lenders for you
Let's Find You
Contact Us
Get a Free Consultation
No obligations. Speak to Amrinder Singh direct on 0432 066 362 about your refinance.
Ezy Loans Australia is a Perth-based mortgage and finance brokerage helping first home buyers, investors and refinancers across Australia secure the right loan with confidence.
Contact Info:
- 905 Hay St, Perth WA 6000
- amrinder@ezyloansaustralia.com.au
- 0432 066 362