Is it the right time to refinance? That’s the million dollar question! Are you stuck paying high interest on your current home loan, while new customers are being offered sharper rates? Has your fixed rate just expired, sending your monthly repayments skyrocketing? Maybe you’re sitting on a large amount of untapped home equity but cant access it for that renovation, investment property, debt consolidation or holiday you’ve been planning! That’s where Trelos Finance can assist!
Most Australian homeowners are overpaying on their mortgages right now. Your bank isn’t going to call and offer you a better deal, they’re quite happy collecting those extra hundreds each month from your outdated loan.
The good news? In just 14-21 days, we could have you saving thousands per year with a smarter loan structure that actually works for your life today. Want to see your potential savings right now? Try our refinance calculator to get an instant estimate of how much you could save each month.
Whether you want to slash your repayments, unlock your equity, or consolidate those crushing credit card debts, we’re here to guide you every step of the way.
The banks are counting on you staying put. They know that loyal customers rarely shop around, so they keep you on higher rates while offering their best deals to new customers. Meanwhile, you’re potentially throwing away thousands every single year.
At Trelos Finance, we’re here to level the playing field. We work with 30+ lenders to find you the rates and features the banks don’t want you to know about. Whether your fixed rate just ended, you need cash for life’s big moments, or you’re simply tired of being taken advantage of, we’ll show you exactly how much you could be saving.
Stop letting your bank profit from your loyalty.
Let’s get you the deal you actually deserve.
Are you one of the thousands of Aussies paying high interest rates when better rates exist? Use our refinance calculator to see exactly how much your loyalty is costing you, then let us get you access to the competitive rates your current bank reserves for new customers only.
drowning in high credit card debt, while mortgage sits on a lower rate? We can roll that expensive debt into your home loan, potentially saving you hundreds every month and years of stress.
Your home has probably increased in value significantly – that's equity you can access today. Whether it's $50k for renovations or $200k for your nextinvestment, stop letting that wealth sit there unused while you struggle with cash flow.
Fixed rates ending soon? Don't get caught off-guard by massive payment increases. We'll secure your new rate before your current one expires, protecting you from nasty surprises and payment shock.
When you work with Trelos Finance, you’re not just getting access to better rates – you’re getting a trusted partner dedicated to your financial success.
Our mortgage experts take the time to understand your unique needs and financial objectives, ensuring you receive a refinance solution that perfectly matches your circumstances and long-term plans.
We work with major banks, credit unions, and specialist lenders to find you options you'd never discover on your own – often with better rates and features than what's advertised online.
From initial consultation through to settlement, we handle all the paperwork, coordinate with lenders, and keep you informed every step of the way. Your refinance journey should be stress-free.
Fast approvals
Transparent expert advice
SMSF-compliant lenders
You can still refinance if it makes financial sense, but whether it’s worth it depends on your current loan terms, interest rates, and goals.
Break costs usually only apply to fixed-rate loans. We’ll review your current loan to calculate any costs before recommending refinancing.
In NSW, most lenders prefer at least 20% equity, but refinancing may still be possible with less, you may just need to pay Lenders Mortgage Insurance (LMI).
On average, refinancing in NSW takes 1–3 weeks, depending on your lender and how quickly documents are supplied.
If one lender says no, we can explore other options. Different lenders have different policies, and we’ll help you find one that suits your situation.
Every month you delay is money out of your pocket. Your current bank is comfortable with you overpaying – they’re not going to fix this for you. But we will.
Get started with our refinance calculator to see your potential savings in under 60 seconds, then let us show you exactly how much you’re losing to your current loan and what your payments could look like with a better deal. Most clients are shocked when they see the numbers – and relieved when they realise how simple the switch actually is.
Ready to Get Started?
Let us help you take the next step in your financial journey. Contact Trelos Finance today for a hassle-free consultation, and discover how we can secure the best mortgage for your needs.
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