Refinance your Home Loan or Investment Loan and access a variety of loan options and competitive interest rates. Get help from an experienced Finance & Mortgage Broker at Money Sense Lending today!
Rated 5 from 131 Reviews
Free calculators — no cost, instant results
Borrowing Power CalculatorLoan Health CheckStamp Duty CalculatorIf your home loan has been with the same bank for two or more years, there’s a good chance you’re paying more than you need to. We’re a Traralgon-based broker helping homeowners across the Latrobe Valley and Gippsland check their rate against the whole market — 30+ lenders — and switch when it genuinely pays off.
About one in five refinances we review don’t save enough to be worth the paperwork, and we’ll tell you that straight. For the rest, the maths is compelling: a sharper rate on a typical Valley mortgage commonly saves hundreds per month, and some lenders offer cashback incentives on top. We calculate your break-even point — switching costs versus monthly savings — before you commit to anything.
Our service costs you nothing — the lender pays us at settlement, disclosed in writing. Most refinances settle within 2–4 weeks of application. We handle the discharge paperwork with your old bank and the lender liaison end to end; you sign, we chase.
Serving Traralgon, Morwell, Moe, Sale, Warragul and all of Gippsland. Rated 5.0 from 131 Google reviews, MFAA-accredited, locally owned since 2002. Call 1300 442 497 for a free, no-obligation rate review.
Initial Refinance Consultation
A Finance & Mortgage Broker will take the time to understand your current loan situation and discuss refinancing options available from banks and lenders across Australia. We'll guide you through the next steps of the refinancing application process, ensuring you have access Home Loan options and the most competitive refinance interest rates.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for refinancing. We will also check eligibility for special lender policies that might benefit you.
Pre Approval
Once you receive pre-approval for the refinancing, you can move forward with confidence. We will outline the new loan amount, interest rates (both variable and fixed), and any potential interest rate discounts. Whether you are looking to reduce loan repayments, consolidate debts, or change your Home Loan term, we ensure you access loan options from banks and lenders nationwide.
Settlement
During the settlement process, your existing loan will be paid off, and your new loan will be drawn down. We will assist you in understanding all associated costs, including any fees or charges related to the refinancing.
As a rough guide, trimming 0.5% off a $450,000 loan saves about $140 a month — over $40,000 across the life of the loan. Run your own numbers in our free Loan Health Check, or call and we'll do it with you.
One application has minimal impact. What hurts is applying to lots of lenders separately. A broker compares 30+ lenders first and applies once, to the right one — that's the smart order.
Usually a few hundred dollars in discharge and government fees. Between sharper rates and lender cashback offers, most people are ahead within months — and we always do that maths with you before anything moves.
Sometimes — but a slightly lower rate usually beats a headline cashback over the life of the loan. We compare both ways and show you the true winner, not the shiniest ad.
JS
Joanne Shih
Outstanding Broker — Highly Recommend. Dougal has been an absolute pleasure to work with throughout the whole process. He’s incredibly easy to talk to and always quick to respond — even late at night or on weekends — which made a huge difference whenever I had questions or concerns. He’s clearly very sharp with numbers and knows how to structure things properly, which is exactly what you want in a broker. He handled communication with the banks really well, so I didn’t have to stress or deal with all the unnecessary back and forth myself, and I always felt like my needs were the priority. What I appreciated most was that he actually took the time to go through my financial situation and discuss strategies with me — something other brokers I spoke to didn’t really do. Even though my case was high LVR, the loan was approved within 2 months of our first contact, which I was really happy with. Most importantly, he was incredibly patient with all my overthinking and endless questions, and never once made me feel rushed or silly for asking. Couldn’t recommend Dougal more highly.
MK
Matt Kay
Communication was great from the start to the end with a great result. Dougal and the team know what there talking about and made the experience smooth and stress free.
SH
Sophie Hildebrand
Had a really great experience working with Dougal. He was professional, easy to communicate with, and made the whole process smooth and stress-free. Always quick to answer questions and kept us informed every step of the way. Highly recommend!
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Money Sense Financial Pty Ltd ABN: 68 687 032 373. Credit Representative #569124 is authorised under Australian Credit License #232706.
Disclaimer: 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.
