Home Loan Refinance

Get a second chance at finance. Talk to one of our specialist loan consultants about bad credit loans.
No impact on your credit score

Make mortgage Refinancing work for you

If you have an unreasonable rate and want to obtain a better interest rate with a lower monthly repayment, we can refinance your home loan for you. If you just want some money and want to use your home’s equity to borrow against, check out the benefits of home loan refinance.

Refinance Your Home Loan To Loosen Up Capital

refinancing Means Enjoying…

With refinancing, you replace your current mortgage with a new loan — that means a new interest rate, new payment and new terms, all in your favour.

Refinancing Your Home To Loosen Up Capital
Refinancing Your Home To Loosen Up Capital

Refinance To Pay Less Interest

Reduce High-Interest Credit Card Debt

When you refinance your home loan, you can borrow money against your home if you have home equity. To do this, your new loan must be higher than the balance of your current mortgage.

Home loan refinance can help pay bills or give you money for a surprise expense. Since your refinance home loan is significantly cheaper than loans from your credit card companies, you’re saving more in the long run. Even if you have bad credit, our bad credit refinancing solutions can be catered to your particular situation.

If you are looking for home loan refinance, the friendly team at Australian Lending Centre can give you the information you need to see if mortgage refinancing is right for you.

Refinancing Your Home To Loosen Up Capital
Refinancing Your Home To Loosen Up Capital

We Make home loan refinance easy

We make home loan refinancing through Australian Lending Centre a seamless process. Our specialist home loans team work hard to formulate the best home loan refinance package for your current mortgage and situation. Even if you have bad credit or no credit, we look for ways to we can qualify you and get started. Bad credit home loan refinance is one of our specialties. Be confident you are in good hands. Our goal is to put your finances in better order, so that you can manage your budget more effectively.

Bad credit home loan refinancing may sound hard but with Australian Lending Centre, we can simplify the process.

Do you offer bad credit refinance?

Yes! There is always a possibility to do refinance your home with bad credit. Some things you should be aware of that refinance lenders will want to know are is the existing equity in your home and proof of employment and a record of sound financial management.

Our bad credit refinance specialists will tell you everything lenders will be on the lookout for as well as be able to answer any questions you may have. As with any refinance, bad credit refinance has pros and cons that you will need consider. Pros can include a lower rate than you currently pay, reduce repayments, access to equity and more while cons can include a longer loan life, more payments, or more.

Refinance your mortgage

Top 5 Benefits of Home Loan Refinance

benefits of refinancing pay for renovations

1. Lower repayments & interest With More flexibility

If you need home loan refinance, a certified specialist at Australian Lending Centre can give you the most up-to-the-minute information you need to make the move to refinancing your mortgage.

When you refinance your mortgage your home equity it put to work, providing lower interest, lower repayments and increased flexibility.

Refinancing can give you more control when it comes to your money. You can choose lower repayments, better interest rates as well as altering some of the primary factors of your home loan.

2. Refinance to get a lower interest rate

Refinancing your mortgage allows you to consolidate debts like credit card debts, store card debts and personal loans. You can take care of your high-interest debts easily when you refinance your home loan.

Sometimes, if you may need bad credit refinance and your high interest debts are dragging your credit rating down. We con help combine them with your home loan refinance so you pay less interest.

benefits of refinancing pay for wedding
benefits of refinancing pay for surgery and medical bills

3. Simplify your Monthly repayments

Debt consolidation makes sense if you have equity in your home and are juggling multiple repayments. It can be easy sometimes to miss a payment, which could cause you to get a negative listing on your credit report.

When you are juggling many debts, you could be paying more interest and fees than you would like. It is also tricky sometimes to manage lots of smaller payments over the course of a month. When you refinance, you can free up extra money to combine all those debts into one lower interest loan with just one monthly repayment and one set of fees.

4. Change your home loan to fixed or variable.

One of the great benefits of refinancing is that you can change the interest-rate terms. You could improve your financial situation by choosing a low variable rate, or if you want more stability, opt for a fixed interest rate.

At the Australian Lending Centre we understand that people have different financial requirements. For this reason, we offer a host of different loan products for refinancing, from a variety of lenders so that we can best cater to each client’s individual needs.

If you’re buying a new home, purchasing an investment property or just refinancing to unlock home equity, our refinance consultants can help you quickly identify the best refinancing product on the market to help you achieve your goals in the soonest possible timeframe.

benefits of refinancing take a holiday
benefits of refinancing buy a car

5. Refinance your home loan to Access Equity

For more information contact the Australian Lending Centre today.

Applying has never been faster or easier!

Click the “Start Your Application” button. It is on the top right in the menu.

Select the type of loan that you want by clicking the button with the icon.

Step 3: Fill out the form icon

Continue through the form and follow through to the upload document prompts.

Step 4: Receive your money fast icon

If approved, the funds could be transferred to your account as little as 72 hours.

How do I apply?

refinance step 1

Talk To Us About Refinancing

Apply online in just 60 seconds. We will do a complimentary ‘home loan health check’ and compare all of the refinancing options available to identify your best choices.

refinance step 2

Complete Application Form

Once you’ve selected the refinancing option that best suits your circumstances, we will guide you through the application process. We’ll issue you with a ‘letter of offer’ for your refinancing option. As soon as you accept the offer, you’ll be on your way to a new and improved home loan.

refinance step 3

Your application is approved

Once your refinance application is approved, we’ll keep you informed of the progress of your refinance at each stage, right up to settlement.

refinance step 4

Celebrate!

The refinance of your loan(s) is complete. If you have chosen to access some of your home equity, you can now draw the funds. If you are not ready to access your funds, they can remain in an offset account to save on interest repayments until you are ready.

June 4, 2024
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Keanue was very helpful and informative!
May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
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Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
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Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
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Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
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Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
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I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
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Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
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Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
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Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

Call for home loan refinance on 1300 138 188

Not everyone get a great deal with their home loan. If you need bad credit refinance, we can find you the best deal with your current situation and credit rating.
Call us!

Apply for Home Loan Refinance in 30 seconds

When you apply for home loan refinance online using our contact form, we do not look at your credit history and it won't impact your credit score in any way.
Apply Online