Big dreams? Refinancing could help you get there

Our home loan options factor in the ups and downs of real life, making sure you’re always ready to get ahead. Refinancing can help reshape your financial situation so you can do the things that matter to you. Equity (the market value of your property minus what you owe on your mortgage) could be used for cash-out, allowing you to pay for the kids’ education, buy a bach, or get stuck into that long-overdue renovation. 

Likewise, it could help you to consolidate debts or bring multiple mortgages together with one lender so you can streamline your financial commitments. What’s more, even if you’ve got a poor credit history, you may still be able to refinance your home loan with us. 

Why Link Home Loans?

We’re fast: Credit decision within 1 working day

We’re flexible: We’ll always try to give you options

We’re accessible: Talk through your situation with us

Cash-out, including for renovations 

Borrow up to 85%* of the property value 

Deal directly with a decision-maker 

Consolidate multiple debts

We look beyond just your credit score

Alt Doc applications considered

Any loan applications are subject to the Link Home Loan team completing responsible lending checks and considering your/every customers individual circumstances.

Your Loan, Your Rate

Discover our flexible approach to home loans. We look at a range of factors (including your financial situation, credit history and property)  to provide eligible borrowers with an interest rate estimate. Talk to a lending specialist to find out where you stand.

Get to know our investor home loan

The choice is yours

Choose a floating rate or fix your loan for 2 or 3 years. Or split your loan up to 4 ways and choose a mix of fixed and floating rates.

Refinance with 20% equity

Refinance your loan to us and even get cash-out for select purposes. You’ll need to still have at least 20% equity after any cash-out.

Non-metro lending

From North to South, we’re here to help – even if your first home is outside of a major regional area.

Need some help with your refinancing?

There’s a lot refinancing can do; from unlocking your equity to consolidating debts to your home loan. Our resources are here to help you understand your options. 

Don’t forget to read this bit…

Information and interest rates are correct as at 19 October 2023 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.

* Offer applies to ‘New Build’ Prime, Near Prime and Specialist Full Doc home loan applications with LVR >80-85%. Available for Metro security locations only. A New Build is a property where the borrower has made a financial and legal commitment to buy in the form of a purchase contract with the builder, prior to the property being built or at an early stage in construction. This could be traditional ‘construction lending’ where the loan is disbursed in staged payments, or it could be a loan to finance the purchase of a property, which will be settled (in one payment) once the build is complete Or a newly-built entire dwelling completed less than six months before the mortgage application. The dwelling must be purchased from the original developer (the contract to buy at completion can be agreed while the building is still being constructed).

Information provided on this website is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require tax or financial advice, contact a tax adviser or get in touch with one of our licenced financial advisers..

All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.