Make sure your home loan still works for you.
Clear guidance and smarter refinancing options — without guesswork or pressure.
If it’s been a while since you last reviewed your home loan, there’s a good chance your situation has changed — even if your loan hasn’t.
Rates, features, fees, and lender policies evolve over time, and what once made sense may no longer be the best fit.
At Extra Mile, we help homeowners review their current loan, understand their options, and decide whether refinancing genuinely improves their position — not just on paper, but in real life.
Why homeowners refinance with Extra Mile
- Australian home loan experts with deep lending experience
- Clear, no-jargon explanations of refinancing options
- Honest advice — not a quick rate switch
- Careful consideration of fees, features and long-term impact
- Support from review through to settlement
When refinancing makes sense
Refinancing isn’t just about chasing a lower rate.
Homeowners often refinance to:
- Reduce repayments or overall loan cost
- Access better features or flexibility
- Adjust their loan to suit changed circumstances
- Consolidate debts into their home loan
- Prepare for future plans, such as renovations or investment
Our role is to help you understand whether refinancing aligns with your current goals — and whether it’s worth doing now, later, or not at all.
Big decisions. Real guidance. Real outcomes.
What clients say after going through the process with Extra Mile.
How refinancing works
Step 1 - Review your current loan
We take a close look at your existing loan — including interest rate, fees, features and how it fits your current financial situation.
Step 2 - Compare smarter options
We assess suitable alternatives across lenders, explain the trade-offs clearly, and help you understand potential savings, benefits and costs.
Step 3 - Refinance with confidence
We manage the paperwork, liaise with lenders, and guide the process through to settlement — with minimal disruption.
Thinking about refinancing?
- Not sure if refinancing is worth it?
- Wondering if a lower rate really means a better deal?
- Feeling unsure about fees, break costs or the process?
You don’t have to guess.
We give you a clear picture of whether refinancing improves your position — and only recommend a change if it genuinely makes sense.
What you’ll typically need
Requirements vary depending on your loan and lender, but most refinance applications involve:
- Identification
- Details of your current home loan
- Income and financial information
- Bank statements
- Property details
We’ll guide you through what’s needed and when.
Ready to review your home loan?
Book a free, no-obligation refinance review and find out whether your loan is still working in your favour.
All loans are subject to lender approval and eligibility criteria. Fees and charges may apply.
Frequently asked questions
When should I consider refinancing?
If your circumstances have changed, your loan hasn’t been reviewed in a while, or you’re unsure whether it’s still competitive, a review can provide clarity.
Will refinancing cost me money?
There can be fees involved, but in many cases the long-term benefits outweigh the costs. We’ll walk you through this clearly before you decide.
How long does refinancing take?
Timelines vary, but once an application is submitted, refinancing can often be completed within a few weeks. We’ll keep you informed throughout.
Is refinancing always the right move?
Not always. Sometimes staying put or adjusting your existing loan is the better option. Our role is to help you make the right call for your situation.
Contact us
Our Adelaide office
We’re based in Adelaide and support clients across South Australia and Australia-wide.