Refinance Your Home Loan & save. We Compare 80+ Lenders For You

See whether you could lower your repayments, access a sharper rate, consolidate debt, unlock equity or restructure your loan around your next stage of life.

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Lower your interest rate & repayments
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We compare 80+ lenders for you
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Clear guidance & no bank bias

Check If You Can Get a Better rate

We can tell you almost instantly if you could be getting a better rate. There’s zero obligation and if there’s no benefit to switching, we’ll tell you.

  • Book your free refinance review
  • We compare your current loan to the market
  • We show you savings & handle the switch
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Refinancing is not just about chasing the lowest rate

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A lower rate can help, but the right refinance decision should also consider your loan structure, offset account, repayment strategy, future plans, equity position and overall cash flow.

At Base Home Loans, we help you understand whether refinancing, repricing, fixing, splitting or staying with your current lender makes the most sense.

What is the refinance review process?

Step 1

We review your current loan

We look at your rate, repayments, loan balance, lender, loan features and current structure.

Step 2

We compare your options

We compare your loan against a panel of 80+ lenders to see whether there may be a better fit.

Step 3

We explain the numbers clearly

We show potential savings, costs, loan features and whether switching actually makes sense.

Step 4

We handle the refinance process

If refinancing is worthwhile, we help manage the application, approval and settlement process.

We Work with over 80 lenders to give you choice & Flexibility for your home loan

Book a call now

Refinancing FAQ’s

The main reasons people may refinance their home loan are to:
• Lower repayments
• Lower their interest rate
• Change structure (e.g add offset account)
• Change product (change to investment loans)
• Move away from their current bank due to being dissatisfied
• Access funds to invest or for renovations
• Access increased equity
• Fixed period or interest only period expiring
• Increase borrowing capacity
• Consolidate loans and debt

Fixing your interest rate may make sense if you value certainty and want predictable repayments for a set period. This can be helpful for borrowers who are managing a tight budget, raising a family, preparing for a change in income, or simply wanting more stability during uncertain market conditions.


However, fixed rates also come with limitations. Depending on the lender and product, fixing may reduce your ability to make extra repayments, use an offset account, refinance, restructure your loan or sell the property without potential costs.

Rather than trying to perfectly predict where interest rates will go next, the better question is whether fixing would improve your peace of mind and support your household budget. Some borrowers may also consider splitting their loan between fixed and variable portions. This can provide a balance between certainty and flexibility.

It may be a good time to refinance if your current home loan is no longer competitive, your repayments have increased, your fixed rate is ending, or your financial situation has changed since you first took out the loan.


However, refinancing is not automatically the right move for every borrower. A lower advertised rate can look appealing, but the full picture should include fees, loan features, lender policy, borrowing capacity, your future plans and whether the new loan structure actually supports your goals.

For some Perth borrowers, refinancing may help reduce repayments, improve cash flow, consolidate debt or access equity. For others, staying with their current lender and negotiating a better rate may be a better first step.

The best way to know is to complete a proper home loan review that compares your current loan against what is available and considers your broader financial position.

Your home loan rate may not be competitive if it is significantly higher than what other lenders are offering to borrowers with a similar loan size, equity position and credit profile.
However, the interest rate is only one part of the comparison. A genuinely competitive home loan should also be assessed against:

  • Loan fees
  • Offset account access
  • Redraw options
  • Extra repayment flexibility
  • Customer service
  • Lender turnaround times
  • Loan structure
  • Whether the product still suits your goals

Many borrowers stay with the same lender for years without realising their loan has become less competitive over time. This is sometimes called the “loyalty tax”, where existing customers may not always receive the sharpest pricing unless they ask or review their options.

A mortgage broker can compare your current loan against other options and may also be able to help you negotiate with your existing lender before considering a full refinance.

There will usually be some costs associated with refinancing but they are highly variable depending on your circumstances. The costs of these different fees and whether or not they are even charged at all will depend on the lender. Using a mortgage broker will increase your chances of having some (or even all) of the fees waived.  Of course, if you’re refinancing we would sit down with you and go through all the various scenarios and any associated costs vs savings before proceeding. 
However, it is important to understand some of the fees to be aware of and enquire about include Discharge fees, Application fees, Valuation fees, Land registration fees, Lenders Mortgage Insurance (LMI), Ongoing fees, and Break fees.

Refinancing may help reduce cost of living pressure if it lowers your repayments, improves your cash flow, or gives you access to a more suitable loan structure.


For example, refinancing may allow some borrowers to:

  • Secure a more competitive interest rate
  • Extend or adjust the loan term to reduce monthly repayments
  • Consolidate higher-interest debts
  • Access offset or redraw features
  • Restructure repayments around household cash flow

However, it is important to be careful. Reducing monthly repayments by extending the loan term may free up cash flow now, but it can also increase the total interest paid over the life of the loan if not managed strategically. This is why refinancing should be looked at as part of a broader financial strategy, not just a quick repayment reduction.

At Base Home Loans, we help borrowers understand both the short-term and long-term impact of refinancing before making a decision.

Refinancing can involve a credit enquiry because the new lender will usually assess your application and credit file. A single enquiry is not necessarily a major issue, but multiple applications with different lenders in a short period can affect how your credit profile is viewed.


This is one reason it can be helpful to work with a mortgage broker before applying.
A broker can help assess which lenders are more likely to suit your situation before submitting an application, reducing the risk of unnecessary credit enquiries or declined applications.
Your credit score is only one part of a lender’s assessment. Lenders will also consider income, expenses, existing debts, repayment history, employment, equity, property type and overall serviceability. The goal is not just to apply quickly, but to apply strategically.

If your property has increased in value, you may have more equity available. This can potentially improve your refinance options.


More equity may help you:

  • Access sharper pricing
  • Avoid lenders mortgage insurance
  • Consolidate debt
  • Fund renovations
  • Release funds for investment
  • Improve your loan-to-value ratio

However, property value alone is not enough. Lenders will still assess your income, expenses, debts and ability to repay the loan. In Perth’s recent property market, many homeowners may have built equity without fully realising it. A home loan review can help estimate your current position and whether that equity can be used strategically.

Yes — debt consolidation through refinancing can lower your monthly repayments by rolling higher-interest debts into your home loan, but it’s important to consider the long-term interest costs.

A refinance Review may be worthwhile if:

check my rate now

Your repayments have increased and you want to know if your rate is still competitive

Your fixed rate is ending soon

You want to consolidate credit cards, personal loans or car finance

See if you could be paying less

You do not need to guess whether your current loan is still competitive.
A free refinance review can help you understand whether you could get a better rate, improve your loan structure, consolidate debt, access equity or simply confirm that staying put is the right move.

book your free refinance review today

We’re here to help you get the best possible home loan. simple.

Base Home Loans is led by Daniel Niederberger, a Perth-based mortgage broker who helps borrowers make strategic, calm and informed home loan decisions.

Daniel’s approach is not just about finding a lower rate. It is about understanding your full financial picture and helping you structure your loan around your lifestyle, cash flow and long-term goals.

At Base Home Loans, we believe refinancing should have a purpose. For some borrowers, that means reducing repayments. For others, it may mean consolidating debt, accessing equity, improving flexibility or creating a clearer path to becoming mortgage-free sooner. And if refinancing is not the right move, we will tell you.

Our goal is to help you feel more in control of your mortgage and make sure everything is moving in the right direction and in line with your goals.

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Daniel Niederberger best mortgage broker perth
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Why borrowers choose Base Home Loans
Perth-based advice
Strategy-first approach
80+ lender panel
Clear explanation of costs vs savings
Support from review through to settlement
Guidance on whether switching is actually worthwhile