Make your home loan work harder for you.
If your current lender hasn’t reviewed your rate lately, chances are you’re paying too much. At Jain Home Loans, we compare dozens of lenders to help you refinance to a loan with lower repayments, better features, and flexible options — so your money stays where it belongs: with you.
Refinance Check
Lower Repayments
Smarter Ways to Use Your Mortgage
Lower Your Rate
Save thousands over your loan term with a better rate.
Consolidate Debts
Combine credit cards or personal loans into one easy repayment.
Access Equity
Use equity for renovations, investments, or education costs.
Add or adjust loan features
like an offset account or redraw facility.
Switch to a lender
that fits your goals better — especially if your needs or visa status have changed.
Check If These Apply to You
- •It has been more than 2 to 3 years since your last review
- •Your introductory or fixed rate has expired
- •Your credit score has improved
- •You want to use equity for upgrades or investments
We’ll review your situation honestly and show you when refinancing actually makes sense — and when it doesn’t.
A Smooth, Transparent Switch
Loan Health Check
We analyse your current rate, fees, and structure.
Compare Lenders
We shortlist the best alternatives from banks and non-banks.
Estimate Savings
Clear comparison of repayments and lifetime interest saved.
Smooth Switch
We handle documentation, discharge forms, and settlement steps.
Real Savings, Real Impact
Scenario: Couple with a $600k loan at 6.3% variable.
Solution: Refinanced to 5.79% with a 25-year term.
Result: $185 monthly saving, $55,000+ saved over loan life, plus full offset access.
That is the power of reviewing your loan at the right time.
Better Options After PR Approval
If you took your loan while on a temporary visa, refinancing after PR approval can open up lower rates and more lender choices. We’ll guide you through:
LMI Review
Check eligibility for LMI removal or refund.
Income Update
Update verification under PR status.
Lender Comparison
Find lenders with better long-term savings.
Your Refinance Plan
Loan Comparison
Current vs new structure summary.
Break Cost Disclosure
Full fee and break-cost transparency.
Rate Recommendations
Fixed, variable, or split advice.
Post-Settlement Check
Ensure rates and offset features are applied.
Common Refinancing Questions
How much can I save by refinancing?
It depends on your current rate, balance, and remaining term — even a 0.5 % rate cut can save thousands over time. We’ll show your exact figure.
Will refinancing cost me anything?
There can be minor discharge or government fees. We include these in your savings calculation so you see the real net benefit.
Does refinancing affect my credit score?
A single application has minimal impact. Multiple lender checks in short succession can, which is why we pre-screen before submitting.
Can I refinance if I am on a temporary visa?
Yes — many lenders accept stable visa types, such as employer sponsored visas. We’ll identify suitable options.
How long does refinancing take?
Usually 2–4 weeks from application to settlement, depending on lender turnaround and valuation timeframes.
Ready to Review Your Loan?
Call us for a free refinance check or book a consultation to compare your rate with the market.