Let us help you
get refinancing
With interest rates remaining unpredictable, sticking with an unreviewed home loan could be costing you more than you realise. Now is the time to reassess and refinance to protect your cash flow before rates move again.
Refinancing isn’t just about switching loans – it’s about taking control of your financial future. Done right, it could save you thousands. Even if you stay with the same lender, the right refinance will give you better rates and terms customised specifically for you.
At LKFS, South Australia’s leading boutique mortgage broker, we don’t just find loans we find the perfect loan for your lifestyle needs. With access to over 40 lenders and hundreds of products, our expert team will secure the lowest rates and best terms for your unique situation.
Don’t wait—every day you delay could cost you. Act now to refinance smarter and protect your finances before rates rise further.
How Refinancing can
save you Money
Refinancing with LKFS means securing the home loan that is right for your current circumstances. By partnering with LKFS, we can help you save by:
Common ways To save
Paying Less
A lower interest rate can reduce your monthly repayments.
Paying back faster
Flexible terms put you in control of your repayments, allowing you to
potentially cut years off your home loan.
Unlocking equity
Access the equity in your home to access cash when you need it. Fund
your renovation, plan your next holiday or upgrade your car.
Taking control
Consolidating your other debts into your home loan can reduce interest
rates and give you a clearer view of your finances.
Basic variable rate mortgage
- Standard variable rate mortgage
- Fixed interest rate mortgage
- Line of credit
- Mortgage Offset
- Construction
want to make sure you get
The best out of refinancing?
Instead of spending hours trying to find answers, partner with LKFS and we can do all the hard work for you. Choosing the right refinancing loan will manage your cash flow, minimise your costs and maximise your savings.
Variable interest rates can fluctuate over time. If rates move up or down, your loan interest rate will adjust accordingly. Generally, interest rate movements are determined by the Reserve Bank, however, lenders have recently started independently raising their interest rates for varying economic reasons. Variable loans usually allow you to pay additional repayments, and there is less risk of penalties if the loan is paid out early.
Fixed interest rates are locked in for a set period of time, usually between one and five years. If interest rates move up or down, your interest rate is secured. Fixed rate loans can have a downside – you’re limited in making additional repayments (if any), and you may also have to cover potential break costs if the loan contract is paid out during the fixed rate term.
A split loan gives you the option to fix part of your home loan and leave the other part variable. Having part of the loan variable means you can still make extra repayments without being penalised on the variable portion, and gives you peace of mind on the fixed portion, knowing the rate won’t change. Many people tend to go with a split loan to manage some of the risks if interest rates rise.