Feeling Stuck With a High Home Loan Rate?
Feeling Stuck With a High Home Loan Rate?
Apply for a Free Refinance Review to See if You Qualify for a Better Rate and Up to $3,000 Cashback*
If your lender hasn’t offered to lower your rate, they’re not working for you. We are. Our personalised refinance consultations help everyday Aussies:
Competitive rates from trusted lenders starting from 5.14% (comparison from 5.89%)*
Reduce monthly repayments
Access cashback from select lenders
Roll multiple debts into one simple loan
Tap into equity for renovations or investments
Stop Overpaying on Your Mortgage
You’ve seen your repayments rise and your bank hasn’t lifted a finger to help.
You’ve called. You’ve waited.
You’ve been told to "just sit tight."
But the truth is, if you haven’t reviewed your rate in the last 6–12 months, you’re likely paying thousands more than you need to.
We help Aussie homeowners refinance with lenders offering competitive rates and up to $3,000 CASHBACK.*
No confusion. No sales pressure.
Just smart, personalised help to get you the deal you deserve.
Here’s how it works:
Complete our 60-second form
Speak to our team to discuss your situation and goals
We'll research 30+ lenders to find the options most suitable for you
We handle the paperwork & you enjoy the savings.
And yes, our service is 100% free. The lender pays us, not you.
Dayna Hill
Finance Broker & Investment Analyst for 21 years
Check How Much You Could Save
By Switching From 6.50% To 5.14% (Comparison Rate 5.53%)*
| Loan Amount | Monthly Repayment (Old 6.50%) | Monthly Repayment (New 5.14%) |
|---|---|---|
| $400,000 | $2,528 | $2,184 |
| $600,000 | $3,792 | $3,276 |
| $750,000 | $4,740 | $4,095 |
Based on the examples above, monthly savings range from $400 to $750, which adds up to $4,800 to $9,000 per year depending on your loan size and current rate.
*Calculations are based on a 30-year principal and interest home loan. The 6.50% rate reflects a common standard variable rate for borrowers who haven’t refinanced recently. Figures are for illustration purposes only and do not constitute a quote. Individual outcomes may vary based on your personal circumstances. The 6.50% rate reflects a common standard variable rate for borrowers who haven’t refinanced recently. Figures are for illustrative purposes only and do not constitute a quote. Individual outcomes may vary based on your personal circumstances
Trusted by thousands of
Australian Borrowers
Trusted by thousands Australian borrowers and counting. Backed by 20+ years of experience, and access to over 30 top-tier lenders.
Here’s Why Aussie Homeowners Choose Us
Up to $3,000 cashback available*
Exclusive rates starting from 5.14% (comparison from 5.89%)*
Compare 30+ lenders in one place
Lower your monthly repayments
Personalised support from a real expert (not a call centre)
No pressure, no jargon
Self-employed and investor friendly
Fast online application & pre-approval process
100% free service (the lender pays us)
Fully licensed and Australian-owned
A Service Built for Real Aussies
Dayna Hill
Finance Broker & Investment Analyst for 21 years
I’m Dayna Hill — a mortgage broker with more than 20 years of experience helping Australians secure smarter finance.
I started in the industry back when refinancing was seen as “too hard” and the banks made it even harder.
Over the years, I noticed a pattern: clients were stuck in outdated loans, paying more than they had to, and getting zero support from their banks.
That’s why I created a refinance-first service that puts you first
We’re here to simplify the process, advocate for your best deal, and deliver real results — whether that’s a lower rate, a cashback offer, or a clean slate for your finances.
We don’t work for the banks. We work for you.
How It Works (It’s Easier Than You Think)
STEP 1
Fill out our short form
Our 60-second form captures just the key info. o paperwork, no documents needed upfront.
STEP 2
We compare 30+ lenders for you
Our experts search hundreds of refinance options to match you with the best rates and deals.
STEP 3
Jump on a quick call with our team
We’ll explain your options, answer your questions, and help you choose what suits you.
STEP 4
Choose your deal, and we do the rest
We’ll take care of the paperwork, liaise with the lender, and keep you updated at every step.
Why More Aussies Are Choosing Us Over the Traditional Path
| Feature | Refinance with Dayna | Traditional Path |
|---|---|---|
| Lender Choice | Access 30+ lenders | One lender only |
| Application Process | We handle it all | You do everything |
| Cashback Offers | Up to $3,000 | Rare and limited |
| Communication | One contact with expert advice | Call centres, long wait |
| Paperwork & Admin | We handle follow-up | You chase lenders |
| Support | 1-on-1 from Dayna’s team | Minimal to none |
Disclaimer: Your actual home loan rate may vary based on your individual circumstances. Speak to one of our expert brokers for a personalised quote.
Got Questions? Here's What Aussie Ask Us The Most About Refinancing
Is your service really free?
Yes. We’re paid by the lender when your loan settles. You pay nothing extra.
Can I refinance if I’m self-employed or on contract work?
Yes. We work with lenders who understand non-standard income.
How long does it take to refinance?
Most loans are refinanced within 2–3 weeks.
Do I have to change banks?
Not necessarily. Sometimes we refinance you to a better loan within the same bank. But often, switching is where the savings are.
Ready to See What You Qualify For?
If you’re still with the same loan you signed up for years ago, now is the perfect time to check if there’s something better.
Rates change. Lender policies change. And what worked for you then might be costing you now.
We make it easy to find out where you stand — no pressure, no jargon.
Whether you’re looking to lower repayments, simplify your finances, or access cashback from select lenders, we’ll help you explore your best options.
It’s free. It’s fast. And it could save you thousands.
Copyright 2025 - Loan Market - Dayna Hill
*$3,000 cash back offer and rates are subject to lender terms and conditions.
For a personalised quote, please speak to a Loan Market mortgage broker.