Refinancing for Lower Rates Smarter Loans Financial Flexibility

Helping Brisbane homeowners, business owners, and self-employed clients unlock better loan terms, reduce interest costs, and improve cash flow.

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We Help Brisbane Clients 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

We look beyond the headline rate. Our focus is on securing a refinance that reduces costs today while setting you up for future flexibility whether that’s funding renovations, buying another property, or freeing up cash flow.

Brisbane Market Knowledge

Refinancing outcomes often come down to property values and lender appetite in your suburb. From North Lakes and Chermside to Carindale and the Bayside, we understand how local trends influence valuations, approval times, and loan conditions.

Access to 60+ Lenders

Your refinancing options aren’t limited to one bank. We compare offers from Australia’s major banks, member-owned credit unions, and specialist non-bank lenders to find a structure that works for your goals.

Loan Structures That Work For You

From offset accounts to interest-only periods and flexible redraw facilities, we match features to the way you manage money keeping repayments manageable and protecting your future borrowing capacity.

Paperwork Made Simple

We handle the income verification, valuation reports, and lender requirements so your refinance runs smoothly and without unnecessary delays.

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  • Over 60 Lenders

Access to Australia’s Leading Lenders

We work with a wide network of trusted lenders from the big four banks to specialist providers giving you more choice, better negotiation power, and loan options tailored to your goals.

  • 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 buyers, investors, and business owners who’ve partnered 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

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.

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Take the Next Step with a Brisbane Broker Who Gets It

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Just clear,
expert guidance

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OR REACH US AT:
0416 826 286
mark@writefinance.com.au
89 McLachlan St, Fortitude Valley QLD 4006
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