Absolut Financial


If you have debt obligations, refinancing can be a viable option to manage those debts better. Contact one of our expert professionals to explore your refinancing options.

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What Are Some Common Features Of Refinancing?

Lower Interest Rates

You might be able to reduce your monthly payments.

Negotiate Terms

Potentially switch from a 30-year to a 15-year mortgage or from a variable to a fixed rate.

Closing Costs

You’ll need to pay new processing fees to refinance a loan.

Prepayment Penalties

Some lenders charge for paying off loans early. We’ll help you check your terms and conditions.

Credit Check

You’ll need a new credit check to renegotiate your loan terms.

Loan Origination Fee

Some lenders may also charge a loan origination fee, which is a fee charged for processing the loan application.

Consider Refinancing To Manage Debts Better

What is refinancing?
Refinancing is where you can replace an existing debt obligation with a new debt obligation with different terms and conditions. Sometimes, this lets you take advantage of better terms, such as a lower interest rate, which can lower your monthly payments or reduce the total cost of borrowing.

Sounds good, right? Well, it’s not always that simple.

While refinancing can be beneficial, you should carefully review the terms and costs associated with any new loan before agreeing to refinance.

How can refinancing be beneficial?
  • Refinancing can lower your interest rate, meaning lower monthly payments.
  • This can reduce the total amount of interest paid over the life of the loan.
  • If you have built up equity in your home, you could do a cash-out refinance, which allows you to borrow additional funds against the equity in your home.
  • Refinancing can let you consolidate multiple loans into one, simplifying your debt obligations.

Refinancing can help you save money, pay off debt faster, and achieve your financial goals. Yet, the process is complicated, and there are plenty of options for you to consider. It may not be your best move, either. That’s where speaking to one of our dedicated team members can demystify the process.

Get Professional Advice About Refinancing

We’ll guide you through every step
At Absolut, we’re all about helping you realise your financial goals. However, we understand that you have limited time, resources, and sometimes the knowledge to explore all of your options when it comes to loans.

That’s why you may not be aware of the potential benefits of refinancing.

We take great pains to listen to your situation and explore the different options at your disposal. We’ll make well-informed recommendations based on your unique experiences, fully explaining our rationale through every step. If you decide to apply for refinancing, we’ll then be there to guide you through the whole process. This personalised service is what sets us apart from other brokerage services.

Extensive experience

Our committed team have extensive experience negotiating the refinancing industry, having helped thousands of everyday Australians manage their debt obligations since 2016.

Our team comprises talented ex-bankers who understand the industry from both sides and always have their ears to the ground for the latest developments.

Let us leverage our extensive industry experience to help you navigate the complex refinancing process to structure a refinance application that fits your needs and requirements.

Explore your refinancing options today

Get in touch with an expert professional for personalised advice to discover if refinancing could lower your monthly payments or pay off debt faster.

Why Absolut?

Why should you trust us with your refinancing application?

Holistic Service

We can care for all your financial interests, providing end-to-end services from exploring options to getting loans approved.

Industry Knowledge

Our brokers are out-and-out industry professionals and experts in their field.

Approval Rates

98% loan approval rate.


There’s no smoke and mirrors with us. We’ll explain every step of the process and will answer any queries you have along the way.

Refinancing Expertise

We know all the intricacies of a complex refinancing deal and can leverage our vast experience to apply to your circumstances.


Plenty of testimonials and national recognition prove we know our stuff and do it well.


Here's what our clients have to say about their experience with Absolut Financial

Awesome stuff

Kristian and the team at Absolut Financial were fantastic in helping us get our finance for our property. We were knocked back at the last minute by a bank and Kristian was able to secure a lender, with excellent rates and had approval within 2 weeks! Highly recommend Absolut Financial.

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Lindsay Stewart

Professionalism, Responsiveness

Kristian did my Finance here for my first home. He held my hand through the whole process and made everything seem easy! I felt as though he gave be a better rate with the best customer service then other brokers I first had dealings with. Highly recommend Absolut Financial!

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Jason Barbara


Absolut team are well structured and has multiple staff members who assist in financial planning, Investing & property advice. My experience with Kristian was excellent. He went over and above with refinancing my loan with lowest interest rate. Couldn’t be more satisfied with the outcome.

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Quality, Value

I'd like to thank Sabby Bhatia who has been involved in the process of getting me into my new home. This has been a seamless, pleasant and positive experience which I attribute to him. I truly appreciate all of the work put in by him in making this happen for me!

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Talwinder Singh Dhaliwal

Any Questions About Refinancing?

What is refinancing, and how does it work?
Refinancing replaces your current loan, usually a home loan, with a new one. Often, it will involve going with a different lender for the new loan while paying off your old loan. The goal is often to secure a lower interest rate or better loan terms, which can help you save money on your monthly payments and over the life of your loan.
How do I know if refinancing is the right option for me?
Consider refinancing if you can secure a lower interest rate or better loan terms, if you need to access equity or consolidate debt, or if your financial circumstances have changed since you first took out your loan. Talking to one of our experts can help you evaluate whether refinancing could be a good option for you.
What documents do I need to prepare for refinancing?
Typical documents you’ll need to provide for refinancing include proof of income, such as pay slips or tax returns, proof of identity, recent statements for your existing loan, and recent statements for any savings, investment, or superannuation accounts you may have. We’ll help you through collating all your documentation to ensure you have everything you need.
How long does the refinancing process usually take?
The refinancing process can vary depending on your lender, your individual circumstances, and the complexity of your loan. However, the process generally takes several weeks to a few months. We’ll help with the timing of your refinancing and can provide decent estimations for a timeline.
What other costs are involved with refinancing?
It’s important to factor in any upfront costs or fees associated with your new loan and any potential charges for breaking your existing loan contract. Your lender should be able to provide you with an estimate of costs for your specific situation, which we will be sure to communicate and itemise for you ahead of time.