We secured a

better interest rate.

… Make the Change!


You know that there are more competitive home loans available in the market place but thought it was too hard to change your bank accounts, right?

Just because your home loan was competitively priced when you originally took it out doesn’t guarantee the fact that it is still competitively priced today. Bank’s lending appetites change, lending policies change and interest rates change on what seems to be a regular basis. It is hard to keep up sometimes.

At You’re Welcome Finance we are continually working behind the scenes to understand the current trends within the home loan market ensuring we can offer advice that is suitable to your circumstances.

The right refinanced Loan…

could help you pay off your mortgage faster and for less.

It may allow you to consolidate debts, help you upgrade or add extra value to your home, all of which are steps in the right direction.

Why Refinance

Is it the right step for you?

Put simply, a refinance involves switching your existing home loan with another mortgage product that is better suited to your needs at the time. This may be with your current lender or a new lender. Your old loan is paid out by the new loan, and you make repayments on your new home loan.

  • At You’re Welcome Finance we understand why people would look
    to refinance:

    • To obtain a home loan with a cheaper interest rate than you are currently paying
    • To obtain a home loan with more flexible features
    • To consolidate debts
    • To unlock equity from your home to use for other purposes, such as investment, new furniture, a new car or to spoil yourself

  • Refinancing a home loan can be a confusing and time consuming process. We will work with you to ensure that the switching process is smooth and hassle free by:

    • Helping you select the most competitive and suitable products from our extensive panel of lenders
    • Doing the leg work for you and keeping you fully informed during the process to settlement
    • Review your loan regularly to ensure that it remains competitive and it continues to meet your needs

Best of all …

we do all of this at no cost to you. (Government and lender fees and charges may apply)

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I'd like to Calculate

Try out our range of free Online Calculators to help determine how you can best maximise your money to achieve your financial goals. Follow the links below to better plan your individual situation.

* Please note the results from each calculator are an approximate guide only and do not constitute specialist advice. The calculations used should not be relied upon for the purpose of entering into any legal or financial commitments.

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Our Lender Partners

Approved customers only. Terms, conditions, fees and charges apply. For our "You're Welcome Finance Car Loan" and "You're Welcome Finance Personal Loan" interest rates range depending on a number of factors, including the information you provide us and our assessment of your application. All applications are subject to lending and approval criteria. Terms for repayment are between 12 – 84 months. WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. EXAMPLE: A secured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 10.99% p.a. (12.21% p.a. comparison rate), would equate to a total amount payable of $40,233 (including a $250 establishment fee and $13 monthly loan servicing fees).