Refinancing your existing home loan can be a great way to secure a lower interest rate, access equity in your home for a renovation or consolidate other debts into one easy to manage repayment. Interest rates are different with each lender and there are plenty of great offers available including cash back incentives, so there is no better time than now to see how much you could save by refinancing with Rhythm Finance Co. We offer a home loan review, where we’ll compare hundreds of options to find the right home loan for your needs.
Here are some common reasons to refinance:
Save Money
Securing a lower interest rate can save you money and reduce your monthly repayments, fixing a portion or all of your home loan can save you money and provide certainty.
Access Equity
Unlocking equity in your home can provide finance to do a renovation, install a swimming pool or give you capital for an investment.
Consolidating debts
Other debts like credit cards and personal loans can be consolidated into a home loan with a lower interest rate and one easy to manage repayment.
Loan features
Changing your loan to access features such as redraw or offset accounts can save you money and help to simplify your finances.
Change in personal circumstances
Other planned or unexpected changes to your personal circumstances such as having a baby or going through a divorce can be reasons to refinance.
Whatever your motivation is to refinance, we’d love to help find the loan option that’s right for you and we’ll do all the work as part of our service. If refinancing isn’t the best option for you, we’ll tell you straight and provide some alternatives that can help save you money with your existing lender like seeking a lower interest rate or switching your loan type.
At Rhythm Finance Co we’ll guide you through every step of the process, so you can relax knowing we’re working hard for you. We don't charge any fees for our services, and we work exclusively for you and your best interests. Plus, we’re a family owned business, and our brokers are part of the local Coffs Coast community. We’re passionate about helping you with a refinance.
Ready to chat? Contact us today to discuss your situation and get the process started.

Refinancing means replacing your current home loan with a new one — either with the same lender or a different one. People usually refinance to get a better interest rate, reduce repayments, access equity, or switch loan features to better suit their needs.
It might be worth reviewing your loan if:
Even if you’re not sure, a quick review can tell you whether refinancing makes sense or not.
Refinancing can save money, but it depends on factors like your current rate, fees, loan balance, and how long you plan to keep the loan. We compare your existing loan against multiple lenders to see whether the savings outweigh the costs, no pressure, just clarity.
Refinancing may involve:
We run through all costs upfront so there are no surprises.
Yes. If your property has increased in value, you may be able to access equity to use for things like renovations, investing, or other approved purposes. We’ll help you understand how much equity is available and whether accessing it is the right move for you.
A refinance involves a credit check, which may cause a small, temporary impact. When done properly (and not repeatedly), refinancing is unlikely to harm your credit profile. We guide the process to minimise unnecessary checks.
Your bank can only offer their own products. A mortgage broker compares options across multiple lenders and helps you decide whether refinancing is genuinely beneficial, or if staying put makes more sense.
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This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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