Broker360

Need a loan? Enjoy unlimited support from 9AM-9PM and 24-hour lodgement services.

Discover How To

Refinance Your Loan And

Save with Rates from 4.99%!

Our 4.99% fixed rate is below the national average of 5.5% (*Rates as of August 2025, subject to change) we’re here to help individuals and families find the Best Loan for their Needs. Simplified Process. Expert Support.

Whether you’re looking to lower monthly repayments, access equity, or consolidate debt, our expert Mortgage Team can help you make the right choice

Book a Free Call


Quick Strategy call

Fixed rate

Interest rate

4.99%

Comparison rate

5.34%

Variable Rate

Interest rate

5.39%

Comparison rate

5.41%

Owner occupier, principal & interest, LVR 70% or less. Includes discount on new and additional lending.

What We Offer

A 4.99% fixed rate which is below the national average of 5.5% (*Rates as of August 2025, subject to change)
Our commitment is to ensure you receive personalized support and expert insights – so you can focus on what matters most: achieving your financial goals with confidence.

Fast & Reliable Support​

Time matters. That’s why we offer 24-hour application processing to help you move forward faster. 

Whether you prefer to book a call or fill out a quick form, we make it simple to get started - and easier to get approved.​

By simplifying each step of the loan process, we aim to make Home financing more accessible and less stressful. 

Readily Available, For YOU​

We’re available from 9AM to 9PM, so you can get support when it works for you.​

No more rushing to squeeze in a meeting over lunch or after work.

Australia’s Most Comprehensive Loan Service​

We bring you access to over top lenders across Australia, giving you the best chance to secure a competitive rate starting from just 4.99%.

 Whether you're consolidating debt, funding a big purchase, or planning something special - we’re here to help make it happen quickly and easily.​

Get Your Free Refinancing Quote

Why Refinance? Apply online NOW |

Lower Your Interest Rate

Refinance to secure a more competitive interest rate and reduce monthly repayments.

Debt Consolidation

Combine multiple loans into one manageable loan with a lower interest rate.

Access Home Equity

Unlock the equity in your home for renovations, investments, or other financial goals.

Flexible Loan Terms

Refinance to adjust your loan terms for shorter or longer periods and lower your repayments.

Eliminate Lenders Mortgage Insurance (LMI)

Refinance to reduce your Loan-to-Value Ratio (LVR) and remove LMI payments.

Switch Lenders

Shop around for better rates or features, and switch to a lender that suits your financial needs.

Refinance for Investment Property

Use refinancing to release funds for buying additional investment properties or making upgrades.

Improving Financial Flexibility

Refinancing can help you restructure your loan to suit changing financial circumstances.

Fast-track your future with smart, flexible refinancing options.

Call Us Now
Make an Online Application NOW
Loan Calculators

Do I even qualify?

Eligibility Criteria

Knowing the eligibility criteria can be the key to unlocking your financial future – don’t let missing details stand in your way.  And most importantly .

01

Residency: You should be an Australian citizen, permanent resident, or hold a valid visa that allows you to work in Australia.

02

Employment Status: You must be employed full-time, part-time, or be self-employed. Alternatively, if you are not employed, you should be receiving a pension or other regular government benefits, such as Centrelink payments.

03

Income: You must have a stable and regular income to prove your ability to repay the loan. Centrelink payments can be used as a secondary or supplementary income source, provided you also have other forms of income.

04

Credit History: You must have a good credit history, with no recent defaults (paid or unpaid), outstanding debts, or active payday loans. A clean credit record demonstrates your ability to manage finances responsibly.

05

Financial Stability: Lenders may also assess your overall financial stability, including debt-to-income ratio, and may require you to provide proof of your financial situation.

06

Bankruptcy: You cannot be currently bankrupt or involved in any legal actions such as a court judgment related to debt or bankruptcy.

What Our Clients Say

FAQ

From Dream Homes to Life’s Biggest Moves – Your Right Financial Move Starts Here.

“The key to your new front door.”
Whether you’re buying your first home, upgrading to more space, or refinancing to save, our home loans are designed to be fast, flexible, and tailored to your needs. Have questions? Explore our FAQs and get the clarity you need to move forward with confidence.

If done correctly, refinancing can actually improve your credit score by lowering your monthly repayments and reducing your debt load.

Refinancing can save you hundreds of dollars per month depending on your loan amount and interest rate. Use our calculator to estimate your potential savings.

There may be application fees, exit fees, and potentially a property valuation fee. Our team will help you understand all costs upfront.

Depending on your situation, you may be eligible for:

  • First Home Owner Grant (FHOG)
  • First Home Guarantee (5% deposit without LMI)
  • Family Home Guarantee (for single parents)
  • State-specific stamp duty concessions
    We’ll check your eligibility and help you apply.

Pre-approval can take 24hrs–5 business days, while full approval can take 1–4 weeks depending on the lender, property type, and how quickly documents are provided.

  • Fixed rate: Interest rate stays the same for a set term (e.g., 1–5 years).
  • Variable rate: Rate can change; offers more flexibility and features.
  • Split loan: Part fixed, part variable — balance of stability and flexibility.

With access to 40+ lenders, we do the rate shopping for you. Plus, our brokers offer personalised support, fast turnaround, and no pressure  – just smart loan solutions.

Let Us Do the Hard Work: Unlock the Best Rates for You!

Call Us Now
Book a FREE Consultation