Finance · Australia
Refinance Your Loan — Save Thousands
Refinance your home, commercial, business or asset loan to a better rate, longer term, or out of a private lender.
Quick answer
OzyLoans refinances home, commercial, business and asset loans across banks, non-banks and private capital. Most refinances complete in 4–8 weeks and may support debt consolidation, or equity release for renovation, investment or business.
Why Refinance with OzyLoans
- Bank-to-bank refinance
- Private-to-bank take-out
- Cash-out for renovation/business
- Debt consolidation
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
When should I refinance?+
When your rate is more than 0.30% above market, when fixed rates are about to roll off, or when you want to access equity for renovation, investment or business.
Can I refinance out of a private lender?+
Yes — private-to-bank take-outs are one of our specialties. We engineer refinance to a longer-term bank or non-bank facility before your bridging loan matures.
Related finance
Ready to explore refinance?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.