BUYING OR REFINANCING

Buy your next property or refinance with a strategy that fits.

Whether you're purchasing a home or reviewing your existing mortgage, Ezy Finance Deals can help you compare suitable loan options and make a more informed decision.

Calculate repayments See how it works

✓ Compare 40+ lenders ✓ Buying and refinancing support ✓ Personal broker guidance

START YOUR JOURNEY

Let's find your best loan option

Tell us a little about your goals and we'll help you understand the next steps.

FINANCE FOR YOUR NEXT MOVE

Buying or refinancing doesn't have to be a one-lender decision.

The right home loan is about more than the headline interest rate. Loan features, fees, flexibility, borrowing capacity and lender policy can all affect whether an option works for you.

If you're buying, we can help you understand your borrowing position and prepare for the purchase. If you're refinancing, we can review your existing loan and compare alternatives.

Our goal is to make the finance side clearer, so you can make your next property decision with greater confidence.

Start with the right questions

Before choosing a loan, understand what you can borrow, what you can comfortably repay and which features matter to you.

✓ Borrowing capacity ✓ Interest rate and fees ✓ Offset and redraw ✓ Fixed or variable options

WHY REVIEW YOUR HOME LOAN?

A better loan can be about more than a lower rate.

Your circumstances can change over time. Reviewing your finance can help you understand whether your current structure still suits your goals.

Lower interest rates

Compare available options that may offer a more competitive rate than your current loan, subject to eligibility.

Better loan features

Consider features such as offset accounts, redraw facilities and repayment flexibility.

Consolidate debt

Depending on your circumstances, refinancing may allow you to restructure eligible debts into a more manageable arrangement.

Access usable equity

If you have sufficient equity, you may be able to explore funding for renovations, investment or other eligible purposes.

HOW WE HELP

A clear path from conversation to settlement.

We help you understand the finance process whether you're buying a property or changing an existing home loan.

Understand your goals

We discuss whether you're buying, refinancing, consolidating debt or looking to access equity.

Assess your position

We consider income, expenses, existing commitments, deposit or equity and your borrowing position.

Compare suitable lenders

We compare lender policies, rates, features and structures that may suit your circumstances.

Prepare your application

We help you understand the documents and information required for the application.

Approval and settlement

Once approved, we help keep the finance process moving towards settlement or refinance.

Ongoing support

We remain available to help you understand your loan and future finance options.

BUYING A PROPERTY

Get finance-ready before you start making offers.

Understanding your borrowing position before you shop can make the buying process more focused and help you set a realistic budget.

01Borrowing capacity

Understand what you may be able to borrow based on your financial position.

02Deposit and costs

Consider your deposit, government charges and other purchase-related costs.

03Pre-approval

Where appropriate, explore pre-approval so you can approach the market with greater clarity.

04Lender comparison

Compare relevant loan structures, rates, features and lender policies.

05Application

Prepare the required financial and property information for formal assessment.

06Settlement

Move from approval to settlement with the finance side organised.

REFINANCING CHECKLIST

Know what your current loan is costing you.

A refinance review is more than comparing two interest rates. We can help you look at the broader structure and costs before deciding whether a switch makes sense.

✓ Current interest rate

✓ Remaining loan balance

✓ Current repayment amount

✓ Fixed-rate expiry or break costs

✓ Offset and redraw features

✓ Annual and ongoing loan fees

✓ Current property value and equity

✓ Other debts and commitments

✓ Your current income and expenses

✓ Your future borrowing or investment goals

REFINANCING WITH PURPOSE

Your reason for refinancing matters.

A refinance may be considered for different reasons. The benefits and costs depend on your circumstances, lender policy and the new loan structure.

Reduce interest costsA lower rate may reduce interest charges, although fees and the new loan structure also need to be considered.

Improve loan featuresYou may want an offset account, redraw facility or different repayment flexibility.

Consolidate eligible debtsSome borrowers explore refinancing to simplify multiple debts, subject to lender assessment and suitability.

Access equityUsable equity may provide an option for eligible purposes such as renovations or investment.

Don't refinance just because the rate looks better.

Look at the whole picture: fees, features, loan term, break costs, repayment structure and whether the new loan actually supports your goals.

Review your options

BROKER VALUE

We help you compare the details that matter.

With access to a broad lender panel, we can help you compare more than a single lender's offer. The suitable option will depend on your financial position, objectives and lender criteria.

✓ Lender policy comparison ✓ Loan structure guidance ✓ Application support ✓ Settlement coordination

Our Lending Partners

LENDER CHOICE

Compare and save on your mortgage

See the latest rates from our lender panel and compare loan options to help find a solution that's right for you.

What Our Clients Say

BUYING & REFINANCING FAQ

Questions borrowers often ask

Pre-approval can help you understand your potential borrowing position before you shop. It is not a guarantee of final approval, which depends on the property and full lender assessment.

The current service information states that Ezy Finance Deals compares 40+ lenders. The lenders available to you will depend on your circumstances and lender criteria.

You may consider refinancing when your current loan no longer suits your needs, when your circumstances change, or when another suitable structure may offer better value. The total costs and benefits should be reviewed before switching.

Potentially. A lower interest rate or different loan structure may reduce repayments, but the result depends on the balance, remaining term, fees and other loan conditions.

Potentially, if you have sufficient usable equity and meet the new lender's servicing and credit requirements. The purpose of the funds will also matter.

Some borrowers may be able to consolidate eligible debts through a refinance, subject to lender policy and assessment. It is important to consider the overall cost and term of the consolidated debt.

It can. Depending on your existing and new loan, there may be discharge, break, valuation, application, settlement or other fees. These should be weighed against the potential benefits.

Timing varies between lenders and applications. Having complete financial information and documents ready can help reduce avoidable delays.

READY TO REVIEW YOUR OPTIONS?

Let's find a loan structure that works for your next move.

Whether you're buying, refinancing, consolidating debt or exploring your equity position, speak with Ezy Finance Deals about your options.

Get started today Call +61 4333 46053