How we make refinancing simpler and smarter
Your needs change, your loan should too. We make refinancing easy to understand and even easier to action.
Tap into equity without disrupting your setup
Want to renovate, invest, or help family? We’ll help you access funds smartly — often without starting from scratch.
Consolidate debt into one easy repayment
Rolling other debts into your home loan can cut your interest bill — and reduce financial stress. We’ll show you how.
Compare rates across banks and non-banks
We’ll shop the market for you — and negotiate sharper deals based on your goals.
Switch lenders without the paperwork nightmare
We coordinate everything — from approvals to discharge — so you don’t get stuck chasing banks or reading fine print.
Use our mortgage calculator to see what’s possible.
Get an estimate of your repayments in seconds — and turn rough numbers into a real plan with expert support.
FAQS about refinancing with Luminate
How do I know if refinancing will actually save me money?
We do the maths with you — and for you. That means comparing your current repayments, interest, and remaining term against what’s possible elsewhere. Sometimes a lower rate doesn’t mean big savings once fees are factored in. We’ll give you a clear yes-or-no answer, not a sales pitch.
Can I refinance just to release equity — even if I’m happy with my bank?
Absolutely. If you’ve built up equity and want to fund a reno, help the kids, or make a new investment move, we can often do a top-up — sometimes without switching banks. If switching gets you better terms too, we’ll show you that as well. You stay in control.
Will refinancing mean tons of paperwork and time off work?
Not with us. Yes, there’s an application — but we streamline the process, request only what’s needed, and handle the legwork with banks and solicitors. Most clients are surprised by how easy it is when they’ve got someone managing it all in the background.
We work with trusted bank and non-bank lenders
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What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Let’s make your home loan work harder
Book a free, no-obligation chat with a Luminate adviser. We’ll review your current setup, compare options, and show you how to save money or unlock your next move.
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