Refinancing your home loan
Home Loan Refinancing Support – with Kelly Carter, Mortgage Choice Port Macquarie
Thinking about refinancing your home loan but unsure where to start? I’m here to make it simple.
Refinancing doesn’t have to be stressful or confusing. As your local Mortgage Choice broker, I offer a personalised refinancing service that helps you assess whether your current home loan still meets your needs—and if not, I’ll guide you through the process of switching to something better.
What I offer:
✅ Loan Review & Comparison
I’ll review your current home loan and compare it against thousands of products from over 35 lenders to ensure you’re not paying more than you should.
✅ Unbiased Guidance
I’ll explain the pros and cons of your options in plain English—whether it’s a lower rate, better features, debt consolidation, or accessing equity for renovations or investment.
✅ Negotiation with Your Current Lender (existing customers)
Before we consider refinancing, we can check with your current lender to see if they’ll offer you a more competitive deal—potentially saving you money without needing to switch.
✅ End-to-End Refinance Management
From collecting the paperwork to dealing with lenders and settlement, I handle the entire process—keeping you informed every step of the way.
✅ Clear Cost-Benefit Analysis
I’ll walk you through the potential costs of refinancing (such as break fees, application costs and government charges) and help you weigh them against the savings and benefits.
Why refinance with me?
Australians with existing home loans often pay more than new customers—sometimes costing thousands per year. My goal is to help you secure the most competitive deal available, while saving you time, effort, and confusion.
Whether you’re looking to lower your repayments, change your loan structure, or unlock equity, I’m here to help you make an informed decision with confidence.
Let’s review your loan together
Book a free, no-obligation loan health check with me today.
Let’s make your home loan work smarter for you
