Refinancing
Refinance your mortgage with Rowe Finance & Property. Get a better rate, access equity, or consolidate debt with our expert guidance.
One team managing your finance and property journey from start to finish.
We're here to help you Refinance your Home Loan or Investment Loan
Refinancing a loan is the number one way most of our clients reduce interest repayments on their Home Loan or Investment Loan. Whether you're coming off a fixed rate period or currently paying a variable rate, chances are there are a range of better loans out there.
As a property appreciates over time, you may be able to use this increased equity to obtain a larger loan amount. The extra funds can be used for various purposes, such as home renovations, debt consolidation, or even investments. Refinancing also allows borrowers to consolidate multiple loans into one, simplifying their financial management and potentially reducing overall interest costs.
We simplify the property journey by bringing everything together under one trusted brand. Instead of coordinating multiple professionals, you deal with one experienced team that manages the entire journey from beginning to end.
One team. One plan. One point of contact.
Lower Your Repayments
We compare your current rate against hundreds of loans across our panel to find genuine savings.
Access Your Equity
Use your property's increased value to fund renovations, investments, or consolidate debt.
Ongoing Reviews
We don't just refinance and walk away. We review your loan regularly to keep you ahead.
Ready to talk finance?
Book a one-on-one consultation with Sara to talk through your options.
Check your loan health
In 60 seconds, understand how much you could save or spend on what matters most to you.
Get Started
Refinancing your Home or Investment Loan
A structured refinance process designed to save you money without the hassle.
Let's Talk
Start with a video call or appointment to understand what you want to achieve and your current position.
Gather the Details
We collect the documents and information needed to properly assess your position.
Build Your Loan Plan
We research suitable lenders, compare options and develop a recommended loan strategy.
Application & Approval
We prepare and submit the application, liaise with the lender and manage the process through to approval.
Settlement
We coordinate the final steps with the lender and relevant parties until the loan settles.
Ongoing Support
The relationship doesn't end at settlement. We remain available for questions, future reviews and your next move.
Let's Talk
Start with a video call or appointment to understand what you want to achieve and your current position.
Gather the Details
We collect the documents and information needed to properly assess your position.
Build Your Loan Plan
We research suitable lenders, compare options and develop a recommended loan strategy.
Application & Approval
We prepare and submit the application, liaise with the lender and manage the process through to approval.
Settlement
We coordinate the final steps with the lender and relevant parties until the loan settles.
Ongoing Support
The relationship doesn't end at settlement. We remain available for questions, future reviews and your next move.
We work with Australia's biggest lenders
Frequently Asked Questions
The timeline varies depending on several factors, including your financial situation, the type of property you're purchasing, and the lender's current processing times. Generally, from initial application to final approval, you should allow between two to six weeks. Pre-approval can often be obtained within a few days. At Rowe Finance & Property, we work diligently to progress your application as efficiently as possible.
In most cases, our services at Rowe Finance & Property don't cost you anything out of pocket. Mortgage brokers are typically paid a commission by the lender once your loan settles. The commission structure doesn't affect the loan terms you receive, as lenders offer the same products and conditions whether you approach them directly or through a broker.
Absolutely. Self-employed individuals, contractors, and those with non-traditional income sources often face additional challenges when applying for finance. At Rowe Finance & Property, we specialise in presenting your financial situation in the most favourable light possible and understand which lenders are more accommodating towards self-employed borrowers.
We offer flexible appointment options to suit your needs. Clients can meet with us online from anywhere, or Perth-based clients may choose to book an in-person appointment at a designated location. All bookings can be made via the Bookings tab.
When you approach a bank directly, you only have access to that institution's products and policies. A mortgage broker works with multiple lenders across the market, giving you access to a broader range of loan products. At Rowe Finance & Property, we compare options across our entire lending panel to find solutions that suit your circumstances.
A finance and mortgage broker acts as an intermediary between you and potential lenders. Rather than approaching banks and financial institutions yourself, a broker does the legwork on your behalf. We assess your financial situation, understand your goals, and then search across our panel of lenders to find suitable loan options that align with your needs.
Don't just take our word for it
Genuine reviews from the official Rowe Finance & Property Google Business Profile.
"Excellent advice and very personable, gave me a good head start to get on track to getting my own place."
Jay Sinclair
Verified Client
"Sara was very professional and assisted with all the enquiries i put forward to her. She highlighted all that is required of me and how to go about them, in ord…"
Emmanuel Niki
Verified Client
"Great service and a lovely pleasant lady to deal with. Thank you Sara."
David Winstanley
Verified Client
"A great broker no matter where you are on your journey. They help with any questions without rushing, they make sure you understand everything. Highly recommend…"
Chloee Summers
Verified Client
"Sara is really professional and understanding. She is also a great listener. She took the time to understand my goals and designed a strategy to help me buy my…"
John A
Verified Client
"Great knowledge and insight I will definitely be considering them when the time is right for me to buy."
Anthony Kinnane
Verified Client
"Sara helped me and my family with our first home. The whole process was super personalised and almost completely stress free. I will be recommending Sara to my…"
Corey Abbott
Verified Client
"Sara made me feel comfortable, listened to me, and took the time to make sure I understood everything we discussed. I would definitely recommend Rowe Finance to…"
Gemma Lea
Verified Client
"Sara is super knowledgeable and has a genuine care in helping you find what is best for you! Her support has been outstanding so far. You can tell she definitel…"
Sharna Le
Verified Client
"After a rough go with a different broker, Sara stepped in and explained everything to us as first time home buyers. She has taken every step to guide us and we…"
Kersty McCloy
Verified Client
"Thanks to Sarah from Rowe Finance for providing insightful information and advice on navigating my journey to be a home owner. Sarah ensured she covered all the…"
Janee Jamal
Verified Client
"Sara was a great help in securing a lender for our First Home. She was honest, patient and was overall a pleasure to work with. She was super quick to respond t…"
Joshua Kitson
Verified Client
"Excellent advice and very personable, gave me a good head start to get on track to getting my own place."
Jay Sinclair
Verified Client
"Sara was very professional and assisted with all the enquiries i put forward to her. She highlighted all that is required of me and how to go about them, in ord…"
Emmanuel Niki
Verified Client
"Great service and a lovely pleasant lady to deal with. Thank you Sara."
David Winstanley
Verified Client
"A great broker no matter where you are on your journey. They help with any questions without rushing, they make sure you understand everything. Highly recommend…"
Chloee Summers
Verified Client
"Sara is really professional and understanding. She is also a great listener. She took the time to understand my goals and designed a strategy to help me buy my…"
John A
Verified Client
"Great knowledge and insight I will definitely be considering them when the time is right for me to buy."
Anthony Kinnane
Verified Client
"Sara helped me and my family with our first home. The whole process was super personalised and almost completely stress free. I will be recommending Sara to my…"
Corey Abbott
Verified Client
"Sara made me feel comfortable, listened to me, and took the time to make sure I understood everything we discussed. I would definitely recommend Rowe Finance to…"
Gemma Lea
Verified Client
"Sara is super knowledgeable and has a genuine care in helping you find what is best for you! Her support has been outstanding so far. You can tell she definitel…"
Sharna Le
Verified Client
"After a rough go with a different broker, Sara stepped in and explained everything to us as first time home buyers. She has taken every step to guide us and we…"
Kersty McCloy
Verified Client
"Thanks to Sarah from Rowe Finance for providing insightful information and advice on navigating my journey to be a home owner. Sarah ensured she covered all the…"
Janee Jamal
Verified Client
"Sara was a great help in securing a lender for our First Home. She was honest, patient and was overall a pleasure to work with. She was super quick to respond t…"
Joshua Kitson
Verified Client
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