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1300 112 355

Refinance Your Home Loan · Home Loans

Your bank forgot about you two years ago. We check whether your loan still fits.

Fixed rate ended, repayments jumped, or a nagging feeling you are paying too much. We compare your loan across up to 70 lenders and tell you plainly whether switching leaves you better off.

$1.5b in settled lending

MPA Top Commercial Brokers

5.0 Google rating

Phone answered 24 hours

Nearly there

Where should we send your options?

Thanks. We’re on it.

We will call at your preferred time, usually within one business day. If your fixed rate has already ended or a repayment is about to jump, pick a path below and we will move faster.

What happens next

  • We call at your preferred time, usually within one business day.

  • A 15 to 30 minute conversation about your loan and what changed.

  • A straight answer: better off switching, better off staying, or not yet.

  • You sign before we lodge; most lenders approve within a week.

Complex commercial transactions may carry a fee for service, quoted upfront: half at application, the balance only on approval. Enquiring won’t affect your credit score.

Why commercial through Evolve

Commercial is where we do our best work

Stay or switch

We compare your current loan against the market after every cost: discharge, break, application and lenders mortgage insurance. If staying wins, we say so.

Up to 70 lenders

Majors, non-banks and specialists across the residential panel, so the comparison is against the whole market, not just the big four.

Your bank, asked first

Before you switch, we ask your current lender to sharpen the rate on the loan you already hold. Sometimes that alone is the answer.

Reviewed, not forgotten

Settlement is the start. We check whether the loan still fits as fixed periods end and rates move, so this does not happen again.

Example scenario

Fixed rate ended, self-employed, refinanced in full

A self-employed Sydney couple saw their repayments jump when the fixed period on a $1.65 million home loan ended. Their own lender’s offer was uncompetitive, and on COVID-year financials their borrowing capacity read as $1.2 million, well short of the refinance. We gathered current evidence instead: draft tax returns confirmed by their accountant and the latest BAS, showing the business had recovered. When the first approved lender repriced, we took the file to a major bank that assessed current self-employed income properly. The full $1.65 million refinanced, split fixed and variable, with a budget they could plan around again. A composite example drawn from several client files; details changed.

Read the full story

“Mark helped us refinance our home loan and we saved so much money on our repayments. He was super responsive and more than happy to answer all the little questions we had in a way that we could understand.”

Jessica, Google review

“Evolve Lending & Finance have looked after us a number of times we have always found the team to be very friendly courteous and they just get the job done we would not go anywhere else.”

Lyn, Google review

In plain terms

Refinance home loan rates and what they miss

Refinance home loan rates are what most people search for, and they are the least useful place to start. A rate on a comparison site says nothing about whether that lender will approve you, what it costs to leave your current loan, or whether a lower repayment is just a longer term in disguise. The useful question is whether switching leaves you better off after every cost.

That is the question we answer. We ask your current lender to sharpen what you already have, then compare it against up to 70 lenders, counting discharge fees, break costs, application fees and any lenders mortgage insurance. If you want to consolidate your debts or are thinking about using your equity, that goes into the same assessment. More than $1.5 billion settled includes plenty of loans that needed a second look.

Tell us the balance, the rate and what has changed. The answer will be straight: better off switching, better off staying, or not yet, and what changes it.

How it works

From first conversation to settlement

  • Step

    The first conversation

    A call, usually within one business day, covering your current loan, what has changed and what you want it to do now.

  • Step

    Initial assessment and recommendation

    We ask your lender for a better deal, compare it against the panel with every cost counted, and recommend stay or switch in writing. If staying wins, that is the advice.

  • Step

    Application prepared for signing

    We prepare the application and supporting documents for the chosen lender. You review and sign; nothing is lodged until you have.

  • Step

    Lodgement and lender approval

    Lodged the same or next business day after signing. Most lenders approve in 3–7 business days, some in 1–2, a few take 10–15. Then we manage the discharge and settlement.

Understanding refinancing

What borrowers ask before they switch

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Keep exploring

Borrow against what you have already paid off.

Using equity for the next property, structured properly.

Refinancing when your income is business income.

Find out whether your loan still fits

Tell us the balance, the rate and what has changed since you took the loan. We will ask your lender for a better deal, compare it against the market and tell you plainly whether switching leaves you better off. If the honest answer is not yet, you will hear that too, and what changes it.
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Straight answers

Questions refinancers actually ask