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.

February 22, 2024
trustpilot logo

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
google icon

Great assistance & very professional

February 20, 2024
google icon

Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
trustpilot logo

Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
google icon
Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
google icon

Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
trustpilot logo

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
trustpilot logo

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
trustpilot logo

Chloe was super friendly and helpful

February 8, 2024
trustpilot logo

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
trustpilot logo

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
trustpilot logo

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
trustpilot logo

He was very helpful and understand too notch employee

January 18, 2024
trustpilot logo

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
trustpilot logo

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
trustpilot logo

Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
google icon

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

December 20, 2023
trustpilot logo

Was great to talk to would do it again if I had to

December 20, 2023
trustpilot logo

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
trustpilot logo

Chloe was fantastic to deal with, very professional!!

December 13, 2023
trustpilot logo

Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
trustpilot logo

Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
trustpilot logo

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
trustpilot logo

Chloe was brilliant and super helpful

December 6, 2023
trustpilot logo

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

December 4, 2023
trustpilot logo

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
trustpilot logo

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
trustpilot logo

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
trustpilot logo

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

November 28, 2023
trustpilot logo

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
trustpilot logo

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
trustpilot logo

Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
trustpilot logo

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
trustpilot logo

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
trustpilot logo

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
trustpilot logo

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
trustpilot logo

Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
trustpilot logo

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
google icon

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
google icon

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
google icon

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

November 16, 2023
google icon

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

November 16, 2023
trustpilot logo

Friendly, understanding and informative

November 14, 2023
google icon
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
google icon
Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
trustpilot logo

Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
trustpilot logo

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
trustpilot logo

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
trustpilot logo

She was so understanding and amazing

October 24, 2023
trustpilot logo

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

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