Refinance your loan

Unhappy with the interest rate on your loan? Let's fix it.
Getting a quote from us is cost and obligation free.

Get a Better Deal

* Subject to suitability, affordability and verification

Refinance your loan

Unhappy with the interest rate on your loan? Let's fix it.
Getting a quote from us is cost and obligation free.

* Subject to verification, affordability & suitability

Get me a Better Deal!

Refinance in 3 easy steps

Refinancing your loan has never been easier. Our friendly team are ready to assist you in your financial journey.

Am l Eligible to Apply?

To be eligible the following criteria applies:

Earning at least $450 per week;
You are over the age of 18;
You are currently employed, self employed or on an eligible pension;
You are an Australian citizen, or a permanent resident of Australia or New Zealand;
If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
You maintain an Australian residential address

NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

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What is refinancing?

Refinancing can improve your finances by potentially lowering monthly repayments or decreasing your interest rate. Our team works hard comparing rates from over 40 lenders to get you the best deal.

At Responsive Lending, our free solution offers financial freedom and savings. Let's explore its benefits!

Lower Interest Rates

Refinancing can mean a lower interest rate, freeing up more cash each month for your financial goals.

Reduce Monthly Repayments

Refinancing allows you to adjust your loan terms, potentially lowering your monthly payments. This can be achieved by securing a lower interest rate or extending the loan term, giving you more financial flexibility to pursue your goals and maintain security.

Enhanced Financial Management

Refinancing not only reduces monthly payments but also allows you to reassess your finances. It's a chance to review goals, budget, and potentially boost savings or investments, encouraging better financial habits for a secure future.

Expert Guidance & Support

Choose Responsive Lending for refinancing. Our expert team ensures a smooth process, evaluating your needs and guiding you to the best plan hassle-free.

No new loan, no charge

Our refinancing service is completely obligation free, and we don't charge you anything unless you are approved for a new lower rate loan!

Once you've applied, all you have to do is wait for a call back. Then, we go away and assess your options for a better rate than you currently have.
Simply click below to get started with a few details and we will begin the search for a better deal!

Get a Better Deal

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Frequently Asked Questions

How much can l save by refinancing my loan?

Whilst we can't give you an exact figure, what we can do is tell you it could be worth the call! Once we know what your refinancing preference is, we can provide a more catered response. Are you looking for reduced payments? Are you looking to sharpen that rate? Or, are you looking to refinance multiple loans together to have one easy repayment?

Think of this as a Financial Health Check.

What are the costs associated with refinancing?

There may be a lender fee and brokerage fee associated with refinancing your loan, however this is where we come to the front!

With access to over 40 different lenders, we will be able to provide an obligation and cost free quote to show exactly how much you can save on repayments or interest.

The lender and brokerage fees will be inclusive of the quoted repayments and savings, and come at no out of pocket expense to yourself, unless you choose to pay this upfront.

What documents and information do l need to provide?

So that we can complete an assessment, we will need very basic information. These include:

Privacy Consent
Income Verification
Verbal quote on current repayments and interest rates

From there we look into your options. Further documents may be required once a quote is accepted and these usually include:

Payout quote from your current lender/s
Drivers licence for identification purposes

How long before l know if l'm eligible for refinancing?

We can provide an eligibility assessment within 24 hours, that means, that in most cases, you will know if your profile is eligible to refinance the same day!

For full assessments and settlements (meaning your new loan now starts and your old loan is paid out), this is subject to a lenders turn around time and how long it takes to receive the relevant documents.

We usually aim to have a refinance completed within 48-72 hours.