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Mortgage Refinance.

Are you thinking of refinancing your home loan?

  • A variety of finance options from over 40 lenders
  • Dedicated to reducing your loan repayments
  • Helping you achieve financial stability
  • Invested in securing your future
Contact Mike
Modern House with gumtree out front

Refinance Your Home Loan and Start Saving.

Refinancing a home loan is simply about obtaining a new loan to pay off your existing mortgage. Refinance loans are a great way to reduce your monthly repayments or “lock in” your home loan at a lower interest rate over a fixed period to save money.

A mortgage refinance can save you thousands of dollars over the life of your loan. If you are on a variable home loan or your fixed rate home loan is ending soon, I can help. I have access to great mortgage refinance options from over 40 lenders that will allow you to pay off your loan quicker and own your home sooner.

Mortgage Refinancing

As Easy As 1, 2, 3…

  1. Initial Consultation
  2. Evaluation
  3. Recommendation
  4. Application
  5. Approval!
Mike Mackenzie explaining his client on how to get a construction home loan in Perth

How a Mortgage Refinance Can Save You Money.

Even if the Reserve Bank holds the official interest rate, banks in Australia continually adjust their interest rates depending on the type of business they want to attract. If a bank is chasing investor lending, for example, they could cut their rates to encourage investors to borrow from them.

Conversely, a competing bank might offer special deals to entice back the customers they lost to their competitor. This means, from time to time, banks offer great interest rate deals that can be of benefit to you. With over 40 lenders to choose from, I can find you the right deal to help you start saving money today!

The Right Time to Refinance Your Home Loan.

You can refinance your home loan at any time but I generally recommend reassessing your existing home loan every two years. Being smart about when you refinance your home loan can help you avoid losing money through fees and charges. You also need to be aware of the potential impact on your credit rating, as the more times you apply for credit, the lower your credit rating goes. I can help you understand your current financial position and whether you would benefit from refinancing your loan now or waiting until a better time.

A modern kitchen that was renovated as part of a new home construction

Want to pay off your mortgage faster? Get started now!

Contact Mike

How Your Future set can save more money this year

What Drives Mike Mackenzie?

Solutions that work.

Long-term outcomes to reduce your financial stress.

Family-first approach.

Easing the financial burden for you and your family.

Knowledge to empower.

Educating you to make informed financial decisions.

Giving your time back.

Saving you valuable time negotiating with lenders.

Invested in your success.

Simplifying your finances to help you get ahead.

Financing your future.

Tailored finance for today and tomorrow.

Young couple happy after recieving a keystart loan for their home construction

Benefits of Refinancing.

There really is no disadvantage to refinancing your home loan, especially if you are in a situation where your current fixed interest rate mortgage has come to an end. In fact, you can benefit from a mortgage refinance in many ways, including:
  • Borrowing more money for home improvements.
  • Taking advantage of a lower interest rate.
  • Paying off credit cards or student loans.
  • Reducing your monthly repayments.
  • Consolidating existing loans.

Split Home Loans.

A split loan allows you to tailor your home loan, so it works to pay off your mortgage while helping you achieve financial stability. By dividing your mortgage into multiple parts, you can benefit not only from the flexibility of a variable rate, but also from the certainty of a fixed rate home loan. You could even choose how much of your loan is split between the fixed and variable rates to work in your favour.

laptop showing charts and data
A modern home interior in Perth where the loan has been reduced by Mike Mackenzie

Why Split Home Loans are So Good.

Fixed rate home loans are great for locking in a lower interest rate to save money, but they usually don’t allow you to make extra repayments to reduce the length of your mortgage. That’s why a split loan is such a good idea. By locking a portion of your loan at a fixed rate, while retaining a portion of the loan at a variable rate, you can make extra repayments to pay your mortgage down faster. Not only can a split loan save you thousands of dollars in interest, but it can soften the blow if the fixed portion expires in a period of increasing interest rates.

The Importance of Equity.

If you are looking to refinance your home loan, it’s important to know how much equity you have in your home. The more you have, the better you can use it to your advantage. Your equity can be used to consolidate debts like credit cards or personal loans, or to pay for large expenses, such as home improvements or a vehicle. I can help you understand how you can use the equity in your home to achieve your financial goals.

A quality home recently constructed after a loan approval with the help of Mike Mackenzie

Thinking of refinancing? Get in touch with Mike today!

Contact Mike

Testimonials.

“Thanks to Mike’s help we are scheduled to build our dream home! He helped us refinance our current house, and save money. He then walked us through the process of how we could build our dream house as well!

Even if you’re not sure what you can achieve, give Mike a call and he’ll give you your best finance options to move forward. I highly recommend Mike.”
– George Antonyan
"Mike was so amazing to work with, it wasn't an easy refinance but he made the process as good as it could possibly be. He absolutely went above and beyond. Thank you so much for all the work you did. We are so grateful."
– Ashleigh Bertrand
"Mike has been a godsend! He walked me through every stage of the process, making sure I got the best deal with the bank I wanted. His responses were always very prompt & accurate. Mike made purchasing a home effortless. I would strongly recommend him, as I was recommended through a family member."
– Veronika Coffin
"Mike Mackenzie is brilliant! My refinance situation was particularly difficult, and he did it with ease. Mike is easy to speak with, knows what to do, and how to get it done. He absolutely knows his job; I wouldn’t go anywhere else. Macca and his team are gold, thanks Mate!"
– Peter Sembach
"Mike has been very helpful in the process of getting my loan. We had a few bumps in the road with the lender, and without him to help me work through them I probably would have given up. Now I’m a happy owner about to build my dream. Thanks again, Mike."
– Narelle West
An illustration of two people consulting at a modern desk

FAQs.

My Lending Partners.

I have partnered with multiple lenders, which gives me access to a wider selection of loan options and more competitive rates for you.

Let’s Explore Your Options Together – Contact Us Today

Whether you have questions about your mortgage, need advice on refinancing, or just want to explore your options, we’re here to help. At Your Future Set, we’re committed to guiding you every step of the way.

Let’s start a conversation about how we can support your financial journey.

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