- Refinance Apartment
Refinance Your Apartment with a Strategy Built Around Your Property
Write Finance helps apartment owners and investors across Brisbane and Queensland refinance with clear strategy, accurate property assessment, and lender selection that reflects the specific policies that apply to your building and your financial position.
- What You Get With Write Finance
Refinancing an apartment is more complex than refinancing a house. Lenders apply specific policies to apartment lending based on building size, postcode, floor area, and high-density classifications that can restrict your LVR, affect your rate, or limit the number of lenders willing to approve your application. At Write Finance, we understand how these policies work and structure your refinance around the specific characteristics of your property.
We understand the Brisbane and Queensland apartment markets, how lender policies apply across different postcodes and building types, and how local valuation trends affect your refinancing options. Whether your apartment is in Brisbane's inner city, a suburban complex, or a regional Queensland building, we know which lenders are active in your market and how to position your application correctly.
Not every lender applies the same policies to apartment refinancing. We work with over 60 banks, credit unions, and non-bank lenders, including specialist providers with more flexible LVR policies, better appetite for high-density buildings, and competitive rates for apartment owners across Brisbane and Queensland. Having access to this full panel is how we find the right lender for your specific building and financial position.
From current loan statements and strata records to valuation support and rental income documentation, we prepare your application with the documentation lenders actually want to see. For apartment owners with complex situations such as short-term rental income, strata disputes, or buildings with higher investor concentration, how your application is presented makes a significant difference to the outcome.
With access to more than 60 lenders across our panel, we give apartment owners and investors across Brisbane and Queensland more choice, stronger negotiation power, and refinancing options that reflect the specific policies that apply to your building type and financial position. We compare across the full panel on your behalf so you are never limited to what one bank offers.
We help apartment owners and investors across Brisbane and Queensland refinance with a strategy that reflects the specific lending policies that apply to their property. Support covers:
- Navigating lender LVR restrictions and high-density postcode policies that affect apartment refinancing
- Accessing competitive rates and flexible loan structures from lenders with strong appetite for Brisbane and Queensland apartments
- Refinancing investment apartments with short-term rental income, strata considerations, or high investor concentration in the building
- Presenting your financial story clearly so lenders assess the full picture, not just the surface numbers
- Supporting apartment owners looking to access equity, reduce their rate, improve their loan structure, or consolidate existing debt
- Over 60 Lenders
Access to Australia's Leading Lenders
Not every lender assesses apartment refinancing applications the same way. Some apply strict LVR caps and high-density restrictions that limit your options, others have stronger appetite for apartments in Brisbane and Queensland and offer more competitive terms. With access to over 60 lenders including specialist providers, we match you with the one whose policies genuinely suit your building type and financial position, giving you more choice and stronger outcomes.
- Our Capabilities
Apartment Refinancing Strategies Built Around Your Property and Goals
Rate and Structure Refinancing
If your current apartment loan has not been reviewed in the last 12 to 18 months, there is a real chance you are paying more than you need to. We compare your current rate and structure against our full panel of 60+ lenders and identify whether a more competitive arrangement is available for your specific building type and financial position across Brisbane and Queensland.
Equity Access and Release
As Brisbane and Queensland apartment values have grown, many owners are now sitting on equity that can be accessed through refinancing. We assess your current equity position and identify the most appropriate way to release it, whether for renovations, a deposit on another property, debt consolidation, or other financial goals.
Investment Apartment Refinancing
Refinancing an investment apartment requires consideration of rental income assessment, interest-only terms, and how the loan sits within your broader portfolio. We structure your investment apartment refinance to improve cash flow, protect your overall borrowing capacity, and align with your long-term investment goals across Brisbane and Queensland.
High-Density and Postcode Restrictions
Some Brisbane and Queensland apartment buildings fall into high-density or restricted postcode categories that limit the lenders willing to approve a refinance. We identify which lenders in our panel have appetite for your specific building and structure your application to maximise your options, even in cases where a direct bank application would be declined or restricted.
Short-Term Rental and Airbnb Apartments
Apartment owners using their property for short-term rental or Airbnb face additional lender scrutiny around income evidence and property use. We work with lenders across our 60+ panel who understand short-term rental income and can assess your position fairly, using income records, platform statements, and occupancy history to support your refinance application.
Debt Consolidation and Loan Restructuring
For apartment owners looking to consolidate personal debt, improve overall cash flow, or restructure multiple loans into a more manageable arrangement, we assess your full financial position and identify the refinancing strategy that produces the best long-term outcome, not just the lowest headline rate.
How Our Lending Process Works
Understanding Your Property and Goals
We start with a proper conversation about your apartment, your current loan, and what you are trying to achieve through refinancing. Whether you want a better rate, access to equity, improved cash flow, or a structure that better suits your investment strategy across Brisbane and Queensland, understanding your goals from the start is how we make sure the refinance we recommend genuinely improves your position.
Assessing Your Financial and Property Position
Unlike a bank that assesses you against a single set of policies, we review your full financial position and property details across our panel of 60+ lenders to identify the most accurate and advantageous assessment for your situation. We review your current loan, income, existing debts, strata records, and property characteristics including building size, floor area, and postcode. For investment apartments, we also review rental income and how it will be assessed across different lenders.
Structuring and Lender Matching
This is where we add the most value. We compare policies and rates across more than 60 lenders, including ANZ, CommBank, NAB, Westpac, Suncorp, BOQ, and specialist non-bank providers with strong appetite for apartment lending in Brisbane and Queensland. Some lenders are more accommodating of high-density buildings, others have sharper rates or more favourable LVR policies for apartments. We look well beyond the headline rate and make sure the refinance structure suits your property, your income, and your goals.
Documentation, Approval, and Settlement
Once the right lender and structure are confirmed, we manage the documentation preparation and submission process from start to finish. We keep your refinance moving efficiently, manage all lender communication, and keep you updated at every stage so there are no surprises between approval and settlement. After settlement, we continue to review your position proactively so your lending keeps pace with your financial goals as they evolve.
Testimonials
What Our Clients Say
Why us
Why Apartment Owners Across Brisbane and Queensland Choose Write Finance to Refinance
Write Finance supports apartment owners and investors across Brisbane and Queensland who want refinancing advice built around the specific characteristics of their property. Most banks apply blanket apartment lending policies that do not account for the differences between a well-located boutique building and a large high-density complex, which means many apartment owners are either paying more than they should or being declined for refinances they genuinely qualify for.
Apartment refinancing requires a more detailed approach. Whether you own a studio in Brisbane’s inner city, a two-bedroom apartment in a suburban complex, an investment apartment with short-term rental income, or a unit in a building with specific strata or postcode considerations, the strategy we build reflects your specific property and financial position, not a generic refinancing
You will work directly with senior broker Mark Tran, with guidance that stays strategic, transparent, and focused on long-term outcomes rather than a transactional approval and handoff.
Meet Your Mortgage Broking Team
We’re personal, experienced, and committed to your success.
How Apartment Refinancing Works
Refinancing an apartment is assessed differently to refinancing a house. Lenders apply specific policies based on building size, postcode, floor area, and high-density classifications that can restrict your LVR, affect your rate, or limit which lenders will approve your application.
The most common issue we see is that apartment owners go directly to their existing bank and receive restrictive terms without realising other lenders on our panel would assess their building more generously. High-density restrictions, LVR caps, and valuation policies vary significantly between lenders, and identifying the right one makes a material difference to your refinance outcome.
We assess your apartment’s specific characteristics alongside your financial position and identify which lenders across our panel of 60+ will produce the strongest outcome for your situation. For apartment owners in Brisbane and Queensland, the right lender and strategy makes a meaningful difference to your long-term financial position.
Documents Lenders Need to Refinance an Apartment
Refinancing an apartment requires thorough documentation covering both your financial position and the specific characteristics of your property. Lenders want to understand your current loan, your income, the building’s strata arrangement, and any rental income where applicable.
Lenders require recent statements for your existing apartment loan to confirm the current balance, repayment history, and loan terms. A strong repayment history supports your refinance application and demonstrates responsible loan management.
Lenders require recent payslips or income evidence to confirm your repayment capacity. For self-employed apartment owners, this extends to tax returns, BAS statements, and business financials to build a complete income picture.
Lenders review your strata levy records to confirm ongoing financial commitments and assess the financial health of the owners corporation. Outstanding strata levies or significant special levies can affect your refinancing options.
Lenders require a current valuation of your apartment to confirm the property's market value and calculate your LVR. For apartments in high-density buildings or restricted postcodes, valuations can come in lower than expected, which is why lender selection is particularly important.
Your most recent personal tax return supports your income declaration and is particularly important for investment apartment owners claiming depreciation, negative gearing, or other investment-related deductions.
For investment apartments, lenders require current lease agreements or property management statements to confirm rental income. For short-term rental properties, platform income statements and occupancy records may also be required.
Apartment Refinancing FAQs
Yes, in most cases, but the process is more nuanced than refinancing a house. Lenders assess apartments differently based on building size, floor area, postcode, and high-density classification, and each of these factors determines which lenders will approve your refinance and on what terms. At Write Finance we review your apartment’s specific characteristics against our full panel of 60+ lenders before anything is submitted, so your application goes to the lender most likely to approve it on the strongest terms available for your building.
Lenders apply conservative policies to apartment refinancing because of concerns around oversupply risk, valuation volatility, and resale liquidity in certain Brisbane and Queensland postcodes and building types. This typically shows up as lower maximum LVRs, minimum floor area requirements, postcode exclusions, or outright restrictions on certain building types. These policies vary considerably across our panel of 60+ lenders, and identifying which lenders have genuine appetite for your specific building is one of the most important steps in structuring a successful apartment refinance.
For most standard apartments in Brisbane and Queensland, lenders will refinance up to 80% LVR without lenders mortgage insurance. However, for apartments in high-density buildings, inner-city postcodes with high investor concentration, or buildings below certain floor area thresholds, some lenders apply caps as low as 70% or 60% LVR. Other lenders on our panel are more flexible. We assess your building’s specific characteristics and identify the lender whose LVR policy gives you the most room to achieve your refinancing goals, whether that means accessing equity, reducing your rate, or restructuring your loan.
Yes, provided your current LVR and the lender’s apartment policy support it. The key challenge for apartment owners is that valuation outcomes and LVR caps vary between lenders, which means the amount of accessible equity can differ significantly depending on which lender assesses your property. We identify the lender whose valuation approach and LVR policy gives you the most equity access for your specific building, and structure the refinance so that equity is released in a way that supports your financial goals without overextending your position.
Strata records matter more in apartment refinancing than most owners realise. Outstanding special levies, unresolved disputes within the owners corporation, building defect claims, or a strata fund that is poorly managed can all raise concerns for lenders assessing your building. Some lenders will decline or restrict a refinance on these grounds alone. We review your strata records as part of the pre-assessment process and identify any issues that need to be addressed or disclosed before your application is submitted, so your refinance is not delayed or declined for reasons that could have been managed upfront.
Refinancing Investment Apartments in Brisbane and Queensland
Refinancing your investment apartment is worth reviewing if the loan has not been assessed in the past 12 to 18 months, if Brisbane or Queensland apartment values have grown and you want to access equity for your next purchase, if your interest-only period is expiring and you want to extend or restructure, or if your current lender’s apartment policies are now more restrictive than others on our panel. We compare your current loan against 60+ lenders and give you a clear picture of whether switching makes genuine financial sense before you make any decision.
Yes, but the amount accessible depends heavily on which lender assesses your building and what LVR cap they apply to your specific apartment type and postcode. Some lenders will allow you to access equity up to 80% LVR on an investment apartment, others cap it lower. We assess your equity position across your full property portfolio, identify the lender with the most appropriate LVR policy for your building, and structure the refinance so the equity you release can be deployed efficiently toward your next purchase or investment goal.
Yes. Lenders reassess your full financial position at refinance, including how your rental income is assessed against the current lender’s shading rate. For investment apartment owners, rental income is typically assessed at 70% to 80% of its actual value, and that shading rate varies between lenders. If your rental income has grown or your apartment’s value has increased since your original loan, refinancing with the right lender can significantly improve your overall borrowing position and free up capacity for your next investment.
Short-term rental income from platforms like Airbnb is one of the more complex income types to navigate in an apartment refinance. Most major banks will not accept it or apply heavy discounts, while some specialist lenders on our panel will consider it with the right evidence, including platform income statements, occupancy history, and booking records. We identify which lenders are most accommodating of short-term rental income for your building type and structure your application with the documentation needed to support the refinance.
The most common mistakes are going directly to a single bank that applies blanket apartment restrictions, not checking whether the strata and building records are in order before applying, and refinancing purely for a lower rate without reviewing whether equity can be accessed or the loan structure improved at the same time. Many apartment owners in Brisbane and Queensland also underestimate how much their property has grown in value and therefore what equity is now available. We review your full apartment and financial position across 60+ lenders and make sure the refinance genuinely improves your position before you make the switch.
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