• Brisbane home loan refinancing, done properly.

Refinancing for Lower Rates Smarter Loans Financial Flexibility

Helping Brisbane homeowners, investors, and self-employed borrowers reduce interest costs, improve cash flow, and restructure loans to better suit their goals.

See My Refinancing Options

We Help Brisbane Homeowners Who Want To:

  • Refinance to secure lower interest rates
  • Restructure loans for better cash flow management
  • Consolidate multiple loans into a single repayment
  • Release equity for renovations, investment, or business growth
  • Switch to a lender with more flexible policies for self-employed borrowers
  • What You Get With Write Finance
Refinancing With Strategy

Refinancing is more than chasing a headline rate. We review your current loan structure, repayments, features, and future plans to ensure your refinance improves your position now without limiting future options.

Brisbane Market Knowledge

Refinancing outcomes in Brisbane depend on suburb, property type, and lender appetite. From inner-city homes to growth corridors like North Lakes, Logan, and the bayside, we understand how Brisbane valuations and postcode policies affect refinance approvals.

Access to 60+ Lenders

We compare refinance options across major banks, credit unions, and specialist lenders. This gives Brisbane borrowers access to sharper rates, better features, and more flexible servicing policies, especially for self-employed clients.

Loan Structures That Work For You

Refinancing is your chance to fix what no longer fits. We help restructure loans using offsets, interest-only periods, split facilities, or debt consolidation strategies to reduce pressure and improve flexibility.

Paperwork Made Simple

We manage lender requirements, valuations, and documentation to keep your refinance moving smoothly and avoid delays or under-assessment.

See My Refinancing Options
  • Over 60 Lenders

Access to Australia’s Leading Lenders

We work with a wide panel of trusted lenders, including major banks, credit unions, and specialist refinance providers. This allows us to negotiate competitive refinance outcomes based on your full financial picture, not just automated calculators.

  • Our Capabilities

Refinancing Options That Put Your Goals First

Home Loan Refinancing

If it’s been more than 12–18 months since your last review, you may be paying more than necessary. We compare lenders to find sharper rates and terms, helping you save money or free up funds for other priorities.

Equity Release for Growth

Your property can be a powerful financial tool. We help you unlock equity to fund renovations, purchase investment properties, or expand your business without overextending your finances.

Self-Employed Refinancing

Business owners often face stricter requirements from lenders. We work with those who understand complex income, including trust distributions, retained earnings, and multiple revenue streams.

Our process

01.

Understanding Your Refinancing Goals

We start by uncovering the real reason behind your refinance. For some, it’s about securing a lower interest rate. For others, it’s freeing up equity for renovations, property investment, or business growth. Whatever your priority, we make sure the end result aligns with your financial plans.

02.

Reviewing Your Current Loan in Detail

This is where we get forensic. We examine your existing loan balance, repayments, fees, and features. For Brisbane homeowners, we also check current property valuations in your suburb, since these can directly influence how lenders price your loan and what terms they’ll offer.

03.

Connecting You With the Right Lender

We assess products from our panel of 60+ lenders, comparing not just rates but the small details that impact your day-to-day cash flow — like offset accounts, repayment flexibility, and redraw facilities. Our goal is to create a refinance structure that supports your life now and your plans later.

04.

Keeping Your Loan Competitive

Once your refinance settles, we don’t disappear. We track market shifts, interest rate changes, and lender policy updates so we can proactively suggest better options if they become available.

Testimonials

What Our Clients Say

Real feedback from Brisbane homeowners, investors, and self-employed clients who’ve refinanced with Write Finance.
Joshua Birch
Self Employed Borrower
We can’t thank Mark and the Write Finance team enough for their help securing our home loan. As self-employed borrowers, we were initially unsure of our borrowing position — but after speaking with Mark, everything became clear. His expertise with self-employed home loans made all the difference.Thanks to Mark’s guidance, we had a clear budget from the start and ended up securing unconditional approval in half the settlement period, with zero stress. The entire process was handled professionally, with great communication and no surprises. Highly recommend Mark and his team to anyone — especially if you're self-employed and want clarity, speed, and confidence in your loan approval.
Jaidon Prior
Property Investor
We have been working with Mark for years now, been an absolute pleasure to deal with him and his team. Nothing but the most professional advice. Always quick to answer any question and resolve any issue. No problem is too big or too small. Cannot recommend this team enough.
Taeipo Amosa
First Home Buyer
I met Mark and his team through my partner. He helped me especially as it was my first time buying a home and did not know what I was getting myself into. Many times I became emotional but Mark never judged and kept going with everything. This is the type of person you would like to have helping you, someone despite the challenges, their tone remains the same as when you first met them.Thank you Mark and the team for helping me and my partner out. Very grateful for your hard-work, determination and dedications towards our case.
Meg Wilson
Self Employed Loan
We had the pleasure of working with Mark Tran for our new Home Loan. As Business Owners, our situation is not so simple, there are lots of Brokers who can't help with our setup. Mark worked alongside our Accountant & Book Keeper which allowed us to forget about finance and focus on our new home.That being said, Mark made the process simple and easy. He gave us hours of his time over the course of 6-9 months, was always available on the phone and gave us genuine advice that we trusted. He's also a great guy to chat to! On top of that, we needed the finance between Xmas Eve & 6th Jan. Mark pulled this off, and also recommended a great Solicitor to work with.
Randika Siriwardana
Property Investor
Mark has helped me and several members of my family sort out our mortgage over several years quickly and efficiently. As he's not connected to any particular bank, he will find you the best deal available for your situation. I would highly recommend him to anyone looking for a broker - always highly professional and looking out for your well being.
Joshua Birch
Self Employed Borrower
We can’t thank Mark and the Write Finance team enough for their help securing our home loan. As self-employed borrowers, we were initially unsure of our borrowing position — but after speaking with Mark, everything became clear. His expertise with self-employed home loans made all the difference.Thanks to Mark’s guidance, we had a clear budget from the start and ended up securing unconditional approval in half the settlement period, with zero stress. The entire process was handled professionally, with great communication and no surprises. Highly recommend Mark and his team to anyone — especially if you're self-employed and want clarity, speed, and confidence in your loan approval.
Jaidon Prior
Property Investor
We have been working with Mark for years now, been an absolute pleasure to deal with him and his team. Nothing but the most professional advice. Always quick to answer any question and resolve any issue. No problem is too big or too small. Cannot recommend this team enough.
Taeipo Amosa
First Home Buyer
I met Mark and his team through my partner. He helped me especially as it was my first time buying a home and did not know what I was getting myself into. Many times I became emotional but Mark never judged and kept going with everything. This is the type of person you would like to have helping you, someone despite the challenges, their tone remains the same as when you first met them.Thank you Mark and the team for helping me and my partner out. Very grateful for your hard-work, determination and dedications towards our case.
Meg Wilson
Self Employed Loan
We had the pleasure of working with Mark Tran for our new Home Loan. As Business Owners, our situation is not so simple, there are lots of Brokers who can't help with our setup. Mark worked alongside our Accountant & Book Keeper which allowed us to forget about finance and focus on our new home.That being said, Mark made the process simple and easy. He gave us hours of his time over the course of 6-9 months, was always available on the phone and gave us genuine advice that we trusted. He's also a great guy to chat to! On top of that, we needed the finance between Xmas Eve & 6th Jan. Mark pulled this off, and also recommended a great Solicitor to work with.
Randika Siriwardana
Property Investor
Mark has helped me and several members of my family sort out our mortgage over several years quickly and efficiently. As he's not connected to any particular bank, he will find you the best deal available for your situation. I would highly recommend him to anyone looking for a broker - always highly professional and looking out for your well being.
Joshua Birch
Self Employed Borrower
We can’t thank Mark and the Write Finance team enough for their help securing our home loan. As self-employed borrowers, we were initially unsure of our borrowing position — but after speaking with Mark, everything became clear. His expertise with self-employed home loans made all the difference.Thanks to Mark’s guidance, we had a clear budget from the start and ended up securing unconditional approval in half the settlement period, with zero stress. The entire process was handled professionally, with great communication and no surprises. Highly recommend Mark and his team to anyone — especially if you're self-employed and want clarity, speed, and confidence in your loan approval.
Jaidon Prior
Property Investor
We have been working with Mark for years now, been an absolute pleasure to deal with him and his team. Nothing but the most professional advice. Always quick to answer any question and resolve any issue. No problem is too big or too small. Cannot recommend this team enough.
Taeipo Amosa
First Home Buyer
I met Mark and his team through my partner. He helped me especially as it was my first time buying a home and did not know what I was getting myself into. Many times I became emotional but Mark never judged and kept going with everything. This is the type of person you would like to have helping you, someone despite the challenges, their tone remains the same as when you first met them.Thank you Mark and the team for helping me and my partner out. Very grateful for your hard-work, determination and dedications towards our case.
Meg Wilson
Self Employed Loan
We had the pleasure of working with Mark Tran for our new Home Loan. As Business Owners, our situation is not so simple, there are lots of Brokers who can't help with our setup. Mark worked alongside our Accountant & Book Keeper which allowed us to forget about finance and focus on our new home.That being said, Mark made the process simple and easy. He gave us hours of his time over the course of 6-9 months, was always available on the phone and gave us genuine advice that we trusted. He's also a great guy to chat to! On top of that, we needed the finance between Xmas Eve & 6th Jan. Mark pulled this off, and also recommended a great Solicitor to work with.
Randika Siriwardana
Property Investor
Mark has helped me and several members of my family sort out our mortgage over several years quickly and efficiently. As he's not connected to any particular bank, he will find you the best deal available for your situation. I would highly recommend him to anyone looking for a broker - always highly professional and looking out for your well being.

Refinancing Home Loans in Brisbane

Savings vary depending on your current rate, loan size, and lender offers. For example, dropping from 6.2% to 5.7% on a $600,000 loan could save around $180 a month — that’s over $2,000 a year. A proper comparison will show whether the potential savings outweigh any switching costs.

While some refinances are cost-neutral or even come with cashback offers, there can be expenses such as:

  • Discharge fees from your current lender

  • New loan establishment or settlement fees

  • Government registration charges
    These are often small compared to the long-term savings but should always be factored in before proceeding.

Yes. Many homeowners roll higher-interest debts — like credit cards, personal loans, or car finance — into their home loan to lower their overall repayments. This can improve monthly cash flow, but it’s important to avoid stretching short-term debts into decades of repayments without a clear payoff plan.

If you expect to sell within 12–18 months, the savings may be minimal once you account for the costs. However, in some cases a better rate can still make sense, especially if your current loan has expensive ongoing fees or restrictive conditions.

Offset accounts and redraw features don’t automatically transfer. If these features are important to you, we’ll ensure your new loan includes them or has comparable alternatives that suit your cash flow style.

It can — but it doesn’t have to. If you’ve been paying for 10 years on a 30-year loan, we can structure the refinance over the remaining 20 years rather than starting from scratch. This way, you still enjoy lower repayments without extending the loan unnecessarily.

Often, yes. Business owners may need to provide extra documents such as BAS statements, company financials, or accountant declarations. The right lender will look at your complete financial picture, including retained earnings and add-backs, rather than just your most recent tax return.

Many Brisbane homeowners reassess their mortgage every 12–24 months. Market shifts, changes in property value, or new lending products can all create opportunities to improve your rate or structure.

Meet Your Refinance Mortgage Broking Team

We’re small, personal, and committed to your success.

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How Write Finance Helps Improve Borrowing Capacity When Refinancing

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How Write Finance Helps Improve Borrowing Capacity When Refinancing

Discovery and Goal Setting

We start by understanding why you’re refinancing. Whether the goal is lower repayments, equity release, debt consolidation, or flexibility, we assess how your income is earned, how consistent it is, and how lenders are likely to interpret it during a refinance.

Documentation and Preparation

Refinancing often triggers deeper scrutiny than an initial loan. We prepare lender-ready documentation including tax returns, BAS, bank statements, and income summaries to reduce the risk of under-assessment or approval delays.

Borrowing Capacity Assessment

Instead of relying on generic online calculators, we use lender-specific servicing tools. This allows us to model refinance outcomes accurately, factoring in addbacks, existing debts, living expenses, and current interest rate buffers.

Lender Comparison and Recommendation

Not all lenders assess refinancing applications the same way. We compare policies across major banks and specialist lenders to find those best suited to your income structure, property type, and refinance goals.

Strategy to Strengthen Your Position

If borrowing capacity is tight, we outline clear, practical steps to improve your position before refinancing. This may include restructuring debt, adjusting loan features, or timing the application to achieve a stronger outcome.

Suburbs Supported Across Brisbane

We support homeowners, investors, and self-employed borrowers refinancing across the wider Brisbane region. Whether you’re restructuring for better cash flow, releasing equity, or switching lenders, our refinance advice is tailored to local property values, lender postcode policies, and how different Brisbane suburbs are assessed during refinancing.

Inner-City Brisbane
  • Brisbane City
  • Fortitude Valley
  • Newstead
  • Teneriffe
  • Bowen Hills
  • Spring Hill
  • South Brisbane
  • West End
North Brisbane
  • Chermside
  • Aspley
  • Kedron
  • Stafford
  • Everton Park
  • Albany Creek
  • North Lakes
  • Carseldine
South Brisbane
  • Sunnybank
  • Sunnybank Hills
  • Mount Gravatt
  • Upper Mount Gravatt
  • Eight Mile Plains
  • Rochedale
  • Calamvale
  • Parkinson
Western Suburbs
  • Indooroopilly
  • Taringa
  • Toowong
  • Kenmore
  • Chapel Hill
  • Fig Tree Pocket
  • Brookfield
Bayside & Eastern Brisbane
  • Carindale
  • Cannon Hill
  • Tingalpa
  • Wynnum
  • Manly
  • Manly West
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Take the Next Step with a Brisbane Broker Who Gets It

No pressure
Just clear,
expert guidance

Leave your details and we’ll get in touch to map out your options.

OR REACH US AT:
0416 826 286
mark@writefinance.com.au
89 McLachlan St, Fortitude Valley QLD 4006
Rated 4.8 out of 5
5.0
Customer Reviews