Eternity Group

Mortgage broking · Refinance review

A structured refinance review, not a rate chase

Working with a refinance broker who looks at the whole picture — your repayments, equity, offset and redraw, loan structure and, for investors, the tax context. Any change still depends on the lender's assessment of your circumstances.

Book a Refinance ReviewSee Our Process

Mr Rohan Manokaran (Credit Representative 565110) is authorised under Australian Credit Licence 561324 held by Loans Only Pty Ltd. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Credit eligibility, lender criteria, fees and charges apply.

Who it is for

When a refinance review is worth running.

Refinancing is not automatically right or wrong. A structured review tells you whether it suits your circumstances — before you commit to an application.

Feeling repayment pressure

Repayments have risen and you want to understand your realistic options — including doing nothing — before anything is locked in.

Sitting on equity

Your property may have grown in value and you want to know what that equity could practically support, subject to a lender valuation.

Fixed period ending

A fixed rate is rolling off soon and you want the structure, lender and product genuinely reviewed rather than left to revert.

Outgrown the current loan

Your splits, offset or interest-only setup no longer match how you actually use the loan or your current cash flow.

Consolidating debt

You are weighing folding other debts into the home loan and want the true long-term cost made explicit, not just a lower monthly figure.

Investors and portfolios

You hold investment property and want a refinance reviewed with deductibility and loan structure considered, not just the rate.

Investor refinancing

What we review

The parts of a refinance worth examining.

A refinance is more than a number. We work through the elements that actually affect whether a change makes sense for you and your situation.

Repayment position

Current vs proposed · costs

Your current repayments, how they would change, and the switching costs, break fees and term effects that sit behind any change — so a lower monthly figure is never read in isolation.

Equity and LVR

Valuation-driven, not estimated

Your estimated equity, the loan-to-value ratio it implies, and whether lenders mortgage insurance might apply on a new loan. The figure that counts is the lender’s valuation, not the estimate we start from.

Offset and redraw

Flexibility and tax effect

How offset accounts and redraw would work under the structures you are considering, what changes between products, and why the difference matters for investors. See our loan features explained page.

Loan structure

Splits · fixed/variable · IO

Whether splits, fixed and variable portions, interest-only periods or account setup still match your goals and cash flow — or whether the structure has quietly drifted from what you need.

Investor tax context

Loan purpose and deductibility

For investment loans, how restructuring, consolidating or redrawing can affect interest deductibility — flagged for your accountant. Deductibility depends on how the loan is used and your circumstances; this is general information.

Documents and serviceability

What the lender reassesses

What a lender reassesses on a fresh application — income, expenses, credit conduct, the property valuation — and the evidence that supports it, so the file is complete before it is lodged.

One practice

Why accounting and lending under one roof matters here.

Most brokers cannot see your tax returns, and most accountants do not arrange finance. On a refinance that gap matters. For an investment loan, interest deductibility turns on how the borrowed money is used, so consolidating, splitting or redrawing during a refinance can quietly change your tax position. Because the accounting and the lending are scoped by the same practitioner, these issues can be raised before you act rather than discovered at the next tax return.

This page sits alongside our refinancing page, which explains the product and the practical steps. Here we focus on the broker-led review of your own situation. For investors with multiple properties, our refinancing investment loans guidance goes deeper on structure, and our home loan pre-approval page is the place to start if a purchase is also in the mix. None of this is a promise of a particular outcome — any change still depends on the lender’s assessment. You can explore the wider range of services on our finance hub.

What to watch

Common refinance traps.

Resetting the loan term

A lower repayment that comes from a longer term can mean more total interest over the life of the loan. We show that trade-off clearly so the decision is informed.

Switching and break costs

Discharge fees, break costs on fixed loans and a fresh round of lenders mortgage insurance can offset an apparent benefit. We factor them into the review.

Blurring loan purpose

Consolidating private and investment debt, or redrawing, can affect deductibility on an investment loan. We flag it so your accountant can confirm the position.

Losing useful features

An offset, split or redraw facility you rely on may not carry across to a new product. We check that the new structure keeps what actually matters to you.

Avoidable declines

A fresh application is reassessed in full. Applying without preparation risks a decline that can sit on your credit file, so we scope realistically first.

Valuation surprises

Your equity estimate and the lender’s valuation can differ, and the lender’s figure is the one that counts for LVR, cash-out and whether LMI applies.

How it works

Our refinance review process — step by step.

A clear, document-driven sequence so you can make an informed decision rather than a rushed one. You always know what each stage covers.

Conversation

We talk through why you are considering a refinance and what you want it to achieve — lower repayments, equity release, restructure or simply a review.

Position review

We work through your current repayments, estimated equity, loan structure and how you actually use offset or redraw today.

Options and trade-offs

We set out realistic options, including doing nothing, with the costs, term effects and feature changes of each laid out plainly.

Tax check for investors

If you hold investment property, we flag deductibility and loan-purpose points and coordinate with your accountant before anything is restructured.

Application

If you decide to proceed, we prepare and submit a complete application and manage lender questions and the valuation through to a decision.

Settlement and review

We support you through approval and settlement, then keep your loan under review as rates, fixed periods and your position change over time.

How we are paid

How we are paid: Eternity Mortgage Solutions typically receives commissions from the lender for loans arranged on your behalf. A full explanation of how we are paid, our lender panel and any potential conflicts of interest is provided in our Credit Guide and Credit Proposal Disclosure document, available on request before any loan application is submitted.

Credit assistance is provided by Mr Rohan Manokaran (Credit Representative 565110), authorised under Australian Credit Licence 561324 held by Loans Only Pty Ltd. For full details of our lender panel and remuneration, see our credit guide.

Frequently asked questions

Refinance broking — common questions.

Our refinancing page sets out refinancing as a product — what it is, when people consider it and the practical steps involved. This page is about working with a broker to run a structured refinance review of your own situation: your repayments, equity, offset and redraw use, loan structure and, for investors, the tax context. Both are general information. Whether refinancing suits you, and whether a lender will approve it, depends on your circumstances and the lender’s assessment of your application.

Related

Where this fits in the bigger picture

A refinance review usually connects to at least one other service. Each link enters the underlying service from the same practitioner.