Refinancing

Smart refinancing to reduce repayments, improve cash flow and align your loans with your long-term wealth strategy.

Why Refinance Through OZD Advisory?

At OZD Advisory, refinancing is more than chasing a lower rate. We review your full financial picture—cash flow, tax position, investment goals and risk profile—to design a loan structure that supports your long-term wealth.

• CFO-level perspective
  Your refinance is assessed by an experienced accountant and CFO, not just a broker ticking boxes.

• Lender & product comparison
  We compare a range of lenders and products to find structures that fit your goals, not theirs.

• Tax & structure aware
  We consider deductible vs non-deductible debt, investment vs home loans, and entity structures.

• End-to-end guidance
  From numbers and paperwork to settlement, we manage the details so you can focus on your life and business.

When Should You Consider Refinancing?

Refinancing can unlock savings and flexibility at key points in your financial journey. It may be worth reviewing your loans if:

• Your fixed rate is expiring or has recently rolled to a higher variable rate

• You haven’t reviewed your home or investment loan in 2–3 years

• Your income or business position has changed (promotion, self-employed, new business, etc.)

• You want to consolidate multiple debts into one structured facility

• You’re planning a renovation or new investment purchase

• You want to improve cash flow and reduce non-deductible debt faster

What We Help You Refinance

• Owner-Occupied Home Loans
  Reduce repayments, improve your rate and pay down your home debt strategically.

• Investment Property Loans
  Structure investment debt for tax efficiency, interest-only vs P&I, and future borrowing power.

• Refinance for Equity Release
  Access equity for renovations, investments or business opportunities with a considered strategy.

• Debt Consolidation
  Combine personal loans, credit cards and other debts into a more manageable structure.

Our Refinancing Process

1. Loan Health Check
   We review your current loans, interest rates, repayments and term, alongside your broader financial goals.

2. Strategy & Lender Options
   We run scenario analysis, compare lenders and present options in plain English—rates, fees, features and trade-offs.

3. Application & Approval
   We manage the documentation, application, and communication with the lender through to formal approval.

4. Settlement & Ongoing Review
   We coordinate settlement and schedule regular reviews to ensure your loans remain competitive over time.

Accounting, Advisory and Mortgage Broking Under One Roof

Because OZD Advisory combines accounting, business advisory and mortgage broking, your refinance is never viewed in isolation. We consider how your loans impact:

• Your tax position (deductible vs non-deductible interest)

• Your personal and business cash flow

• Your asset protection and entity structure (individual, company, trust, SMSF)

• Your long-term wealth plan, not just the next 12 months

You’re not just getting a broker—you’re getting a strategic finance partner.

Refinancing – Frequently Asked Questions

Q1. Is refinancing worth it if my rate is already “okay”?
Even a small rate reduction or better structure can save thousands over the life of a loan. We run the numbers for you so you can see the real cost/benefit before making any decision.

Q2. How much does it cost to refinance?
It is FREE for you!

Q3. Will refinancing affect my borrowing capacity?
It can—positively or negatively. That’s why we assess your refinance strategy alongside your future goals, such as buying another property or investing in your business.

Q4. How long does the process take?
Timeframes vary by lender, but most refinance applications take a few weeks from application to settlement. We manage the process and keep you updated at each step.

Whether you want lower repayments, better rates, or a smarter overall debt strategy, we’ll run the numbers and give you clear, practical advice.

Download our free loan health checklist

Credit Assistance Disclaimer:
Credit assistance (ACL 643901295) is provided under Purple Circle Financial Services Pty Ltd [Australian Credit Licence (ACL) 486112].
OZD Advisory provides general information only. This does not constitute personal credit advice. Please consider your objectives, financial situation and needs, and seek appropriate advice before making financial decisions.