Do you need to refinance your mortgage?
Refinancing home loans that Goulburn residents are paying can save tens of thousands over the life of your loan. If your home loan is more than two years old, there’s a good chance you’re paying more than you need to. David at Ellesmere reviews your current loan, compares it against what’s available across 30+ lenders, and tells you honestly whether switching makes sense. Use the calculator below to run your own numbers, then book a free 15-minute call — most clients are surprised at what they find.
If you’re refinancing a home loan, Goulburn locals have found that even a small rate reduction can save tens of thousands over the life of a loan. David at Ellesmere does the comparison work for you — checking what you’re currently paying against what’s available across 30+ lenders.
We help clients across Goulburn, Canberra, the ACT and Southern Tablelands to:
- Reduce their interest rate
- Switch from variable to fixed (or vice versa)
- Access equity for renovations or investment
- Consolidate debts into their home loan
- Remove a borrower or restructure after a life change
Refinancing Home Loans Goulburn – FAQs
How do I know if refinancing is worth it?
A general rule is that if you can reduce your rate by 0.5% or more, refinancing is worth exploring. David will run the numbers for your specific situation — including break costs if you’re on a fixed rate — so you can make an informed decision.
How often should I review my home loan?
At least every two years. The lending market moves constantly, and lenders rarely pass on their best rates to existing customers automatically. A free review with David takes 15 minutes and could save you thousands.
Will refinancing affect my credit score?
Each loan application does create an enquiry on your credit file. David helps you identify the right lender before applying, minimising unnecessary enquiries.