Better rate
Your current rate no longer reflects the market. We compare across the panel and negotiate where possible before recommending a move.
Lending · Refinance & restructure
Rates change, circumstances change, and loans that made sense three years ago may not make sense today. Refinancing Canberra borrowers arrange through Numbers & Sense starts from what has actually changed in your financial position — not just a rate comparison.
A rate comparison is easy to find. What is harder to find is a broker who already understands your income structure, your tax position, your entities and your cash-flow patterns — and can tell you whether refinancing actually improves your position once all the costs and consequences are accounted for.
That is the advantage of refinancing Canberra clients arrange through Numbers & Sense. Because we sit alongside your accountant, we can weigh the new rate against break costs, discharge fees, tax implications and the opportunity cost of the change before you commit.
Sometimes the answer is to refinance. Sometimes it is to renegotiate with your current lender. Sometimes it is to restructure without moving. We present all three options honestly.
When refinancing makes sense
Your current rate no longer reflects the market. We compare across the panel and negotiate where possible before recommending a move.
Property values have risen and you need funds for renovation, a deposit on an investment, or other purposes. We structure the equity release cleanly.
Multiple debts at different rates — personal loans, credit cards, car finance — consolidated into a single, lower-cost facility.
Circumstances have changed — a new job, a separation, a business change — and the existing loan no longer fits. We restructure without unnecessary cost.
We start with a review of your current loan — rate, features, remaining term, break costs and discharge fees. Then we compare that against the best available options across our lender panel, factoring in your current income, tax position and plans.
If a refinance makes sense, we handle the application, settlement coordination and transition. If it doesn't, we tell you directly and explain why. Refinancing Canberra borrowers trust us for is honest advice, not a push to switch for the sake of a new commission.
For new owner-occupier lending, see home loans. For investment property finance, see investment loans. For SMSF loan refinancing, see SMSF lending.
Frequently asked
It depends on the loan size, remaining term and the costs involved in switching. We calculate the break-even point so you can see whether the saving is real after all costs.
It can, particularly for investment loans where interest deductibility depends on the loan purpose and structure. Because we handle your tax as well, we coordinate both sides.
Yes. Self-employed refinancing requires clear income documentation. As your accountant, we already have the records most lenders need, which simplifies the process.
Most refinances settle within three to six weeks from application. We manage the process end to end, including discharge from your current lender.
A clear next step
A quick review of your existing lending — no obligation, no pressure.
Ready when you are
Tell us what you need and we'll point you to the right person. We reply within one business day.