Residential Refinancing

What Our Customers Think:

Nick helped us every step of the way, finding us the best deal for our situation and walking us through the steps, offering guidance when required. The customer service was excellent and we have come out the other side much better off than prior to refinancing. Would highly recommend him if you want a quality, tailored solution for your home loan from someone with your interests genuinely at heart!

Shannon Wood

November 2023

Highly recommend Chris as an excellent broker and Vicki for the final stages of the settlement. They were able to sort out a complicated refinance for me and Chris kept in constant contact with me over the process which took a while.

Steve Incerti

November 2023

I cannot recommend enough the help and service. We have no idea of the processes involved and Kurtis has been more than willing to spare valuable time in guiding us.

Dianne Crisp

November 2023

Nick is amazing at what he does!
Financial stuff can be daunting but Nick made the journey through it all feel like a breeze.
Thank you Nick.

Elle Maxwell

November 2023

This is the second time Whiteroom Finance helped us in securing finance. Karl Baker was a great help both times. He is easy to communicate to, explains in simple English and is very proactive. It was a joy to have someone like Karl to help.

Singh K

September 2023

A huge shoutout to Chris and his team for going above and beyond to help us secure our family home. Their dedication and unwavering support made the process so smooth. Highly recommended!

Client Survey Feeback

August 2023

Most amazing team! we had such issues trying to receive a loan but Whiteroom Finance made it so easy and guided us throughout start to finish would highly recommend, was always there whenever we needed.

Sidoroska S

June 2023

Working with Chris and the team to refinance my mortgage was a smooth and easy process, highly recommend.

Kirk T

June 2023

Been working with Chris since 2016. Very professional and finds the best services to suit each loan, and is there every year to review it for you.

Passmore A

May 2023

Whiteroom Finance have been fantastic in helping my partner and I get our first home loan, and then our second, and they have also been a great help in refinancing these loans. They are professional and quick to respond to all of our emails (even after hours and on weekends). They listened to us and made sure to find suitable lenders that offered the home loan structures that we wanted. An enthusiastic 5 stars for these guys.

Pech A

May 2023

Great experience with Whiteroom Finance all the team is really helpful and supportive. Will be using them again!!

Ellery K

March 2023

Thank you for making the process so easy and as pain free as buying a house can be!

Client Survey Feedback

November 2022

Thank you very much to Chris White and his wife Vicki White from Whiteroom. With all of their hard work they made our goal possible. We are very excited the settlement went through today. Neil and I highly recommend their professionalism, knowledge and their dedication. We had a very awkward situation and Chris with his knowledge was able to reach our goals.

Neil & Kaliope C

September 2022

Chris and the team were able to simplify an unclutter the complex and intimidating process of buying our first home. They were readily accessible throughout the journey and we are ecstatic with the final outcome.

James L

August 2022

Thankyou for all your assistance through this journey, it's been a huge learning curve as a first home buyer, but I'm very thankful to have had your guidance throughout the process!

Dana S

November 2022

Refinancing Your Home Loan

If your circumstances have changed since taking out your home loan, it may be time to consider refinancing. Refinancing is the process of switching from your current home loan to another lender which could aid in improving your financial position.

Moving your home loan balance to a new lender gives you an opportunity to select a completely new loan product that may better suit your needs. This highlights the importance of researching the available options, or alternatively seeking advice from a finance professional – like the team at Whiteroom Finance.

You may decide to opt for a home loan with lower interest rates, fewer fees, specific loan features or easier repayment terms. You could switch from a variable interest rate to a fixed home loan or split your balance between two loan products with different interest rate types. 

Why Choose Whiteroom Finance For Your Residential Refinancing?

As is the case when taking out a loan to purchase a home, there are a range of factors that should be considered before committing to refinancing. Whiteroom Finance, as your broker, spends the time to discuss and understand your personal needs and the objectives you wish to achieve by refinancing.

From the initial consultation, we analyse your financial position and make recommendations that are tailored to your unique situation. Our experienced team are committed to ensuring that your loan product remains relevant to you, as well as offering a free, annual loan review.

Potential Benefits of Refinancing Your Home Loan

It is advantageous to spend some time considering the reasons why you want to refinance, as well as the potential benefits you hope to get out of it.

Refinancing your home loan could help you:

  • Borrow more for consolidation, renovation, investment, or a new vehicle.
  • Save money with lower interest rates or reduced fees.
  • Lock in your repayments with a fixed rate loan.
  • Consolidate multiple loans.
  • Reduce repayments.
Choose A Home Loan That’s Right For You. Refinance With Whiteroom Finance
a couple calculating their debt

The Whiteroom Refinancing Process

Our team will work with you throughout your refinancing journey, aiming to make the process as smooth and stress-free as possible.

Initial Contact

After you contact our team, we will connect you with one of our experienced brokers, who together with their support staff will assist you throughout the refinancing process. At this stage we’ll send you a link to our online fact find, which allows you to provide us some basic information.

Understanding Your Needs

Your situation is completely unique to you. This is why we spend the time to review the information you provide and contact you to ask some further questions, strengthening our understanding. With knowledge of your financial position, the type of loan you require and loan options you qualify for, we can find a loan tailored to you.

Meeting and Identification

Once we have a good understanding of whether we can assist you, we will arrange a meeting. This meeting is used to discuss your needs in more detail and set out some loan options that are recommended. The meeting gives us an opportunity to discuss other services and facilities we offer, meet our identification obligations and provide some time for you to ask any further questions.

Finding A Loan That Fits

At this stage, your broker will have a solid understanding of who you are and what you require. We will review different loan products available through our 30+ lenders and present you with personalised recommendations – this is known as the “Game Plan”.

Why Choose Us?

As a customer-centric finance broking firm, we ensure that all our clients feel valued at Whiteroom Finance. We pride ourselves on delivering personal, high-quality service to all clients – from first time borrowers to large scale corporations. At Whiteroom Finance, we deliver tailored solutions suited to your unique financial requirements and goals.

Experience The Whiteroom Finance Difference

Frequently Asked Questions

How Long Does Refinancing Take?

When refinancing, you are applying for a home loan with a new lender. The funds applied for will be used to pay out the balance, plus any fees, to your previous lender. This will involve the full home loan process and time frames can vary from lender to lender, but often this process takes between four and eight weeks.

Do I Need To Get A New Property Valuation Done When I Refinance?

It will depend on your new lender; however most will require for another valuation to be done on the property. This ensures your new lender is aware of what the property is worth before they take it as security against a loan.

Does Refinancing Affect My Credit Rating?

Yes, refinancing can affect your credit score as you are submitting a new credit application. While a poor credit score can influence your chances of being approved for refinancing, a declined application can negatively impact your credit score.


Another thing to be aware of is that applying for multiple refinances / loans in quick succession can also negatively impact your credit score.

Can I Get A Better Interest Rate Without Refinancing?

If your main aim of refinancing is to get a better interest rate, your broker can approach your existing lender first and request a pricing review. If your existing lender cannot provide a lower rate, or the rate offered is not competitive, your broker will talk to you about refinancing to a new lender.

Contact Whiteroom Finance today.