Credit repair
25/08/2025
Refinancing Your Home Loan
Take Control of Your Home Loan
Between long hours, unpredictable shifts, and the demands of your profession, it is easy to put your mortgage on autopilot. But if your loan has not been reviewed in the last 12 to 18 months, you could be paying more than you need to.
At AMA Finance Brokers, we help medical professionals like you take control of your home loan through smart refinancing. This can free up cash flow, improve flexibility, and align your loan with your current lifestyle and career goals.
What is Refinancing
Refinancing means replacing your existing home loan with a new one, often with a different lender, to secure a better rate, change loan terms, or unlock features that suit your needs.
It is not just about chasing the lowest rate. It is about making your loan work harder for you.
Why Refinancing Might Be Right for You
Refinancing could help you:
Lower your repayments by securing a more competitive interest rate
Pay off your home sooner by shortening your loan term
Access equity for renovations, investment property purchases, or practice upgrades
Consolidate multiple debts into one manageable repayment
Switch to a more flexible loan that fits your current income structure and lifestyle
When to Consider Refinancing
You might benefit from refinancing if:
Your rate has not been reviewed in over a year
Your financial situation has changed such as an income increase or family expansion
You want to free up funds for personal or professional goals
You would like more flexible repayment options or loan features
Our Refinancing Process Designed for Busy Professionals
We understand that your time is valuable. That is why we make refinancing as seamless as possible:
Initial Review – We assess your current loan and run the numbers to see if refinancing makes sense
Lender Comparison – We source the most competitive options from our panel of trusted lenders
Tailored Recommendations – We match you with a solution that aligns with your goals and lifestyle
End to End Support – We handle the application, paperwork, and settlement, keeping you updated every step of the way
Why Choose AMA Finance Brokers
Over 25 years of experience helping professionals with home loans and refinancing
Independent client first advice – we work for you not the banks
Flexible consultations – after hours, weekends, video calls, or email, so you never have to take time off work
Clear communication – We make your loan options easy to understand so you can make confident decisions
Your Next Step
If you are ready to see how refinancing could work for you, let us do the heavy lifting.
We will review your current home loan, compare the best available options, and guide you through the process from start to finish. This allows you to focus on your patients, not your paperwork.
Call us on 1800 343 184 or enquire online to get started today.
Frequently Asked Questions
Can I get a mortgage where I pay less than I’m paying now?
It depends on your current rate, the type of home loan you have (fixed, variable, interest only, line of credit), and the features you want. Speak to an AMA Finance Broker who can explain your options and see if refinancing could lower your payments.
Can I consolidate credit card or other debts into a home loan?
Yes, many people refinance to consolidate debts like credit cards or personal loans. Mortgages usually have much lower interest rates, helping reduce overall costs. Just ensure you maintain repayment levels to avoid paying more over time.
How soon can I refinance a home loan?
In most cases, you can refinance as soon as your lender allows it, which may be immediately after settlement. However, if you are on a fixed rate loan, break fees may apply. We can help you review your contract and decide on the best timing.
How do I choose the loan that’s right for me?
With hundreds of home loan products available, choosing the right one can be overwhelming. Our experts compare the options and recommend the best fit for your goals.
How often do I make home loan repayment?
Most lenders offer flexible repayment schedules—weekly, fortnightly, or monthly. Weekly or fortnightly repayments can reduce overall interest and shorten your loan term.
What fees/costs are involved in switching mortgages?
Penalty fees could apply if you’re paying off your current mortgage early, especially if you’re exiting a fixed home loan. But these may be offset by repayment savings when you switch home loans. Contact a AMA Finance Broker to discuss which fees would apply in your circumstances.
Do I need to change lenders?
Not always. Sometimes your current lender will match or improve your rate to keep your business.
