Home > Apt Finance >
Refinancing and debt consolidation
Apt Wealth Finance, powered by Acceptance Finance
Could reviewing your loan set you up to reach your goals sooner?
It’s easy to set and forget a home loan. But rates move, new lenders arrive and better products appear, so keeping the same loan for 30 years can quietly cost you. A regular review, every two to three years, makes sure your loan is still working for you.
When is it time to refinance?
If you’ve been with the same lender for years, chances are there’s a better offer out there. And if your income or goals have changed since you took out the loan, that’s another good reason to look again.
Refinancing can also let you access your equity for a big-ticket goal, like an investment property or a renovation, or take advantage of features you may not have, such as an offset account or redraw facility.
Debt consolidation brings your existing debts together into one loan. The aim is fewer repayments to manage and a lower rate on your more expensive debts, since home loan rates are generally lower than credit cards and personal loans.
How a review works
From first conversation to long after settlement, here is how your broker works with you.
1
Talk through your situation
We look at your current loan, your goals and what’s changed since you took it out.
2
Crunch the numbers
We compare your loan against the market and, if consolidating, weigh the real cost of bringing debts together, including fees and the longer term.
3
Recommend the right move
You get a clear picture of whether refinancing or consolidating actually helps, with no pressure to switch if it doesn’t.
4
Manage the switch
If it stacks up, we handle the application and the move to your new loan, and stay available afterwards.
Good reasons to take another look
Any of these sound familiar? It may be time for a review.
You’ve been with the same lender for years
Loyalty rarely earns the best rate. A long-held loan is often the one most worth reviewing.
You’re planning to buy again
Multiple small debts can dent your borrowing capacity and credit score. Consolidating can present your situation in a stronger light.
You want to offset or redraw
An offset account reduces the interest you pay, and a redraw facility lets you access extra repayments when you need them.
Managing your debts is getting hard
Consolidating turns several repayments into one, which is simpler to manage and can reduce the interest you’re paying.
Women, retirement and long-term security
A practical guide to building the retirement you want, written for the way women actually move through their working lives and beyond.
- How to understand and strengthen your super position at any age
- Catch-up strategies after career breaks or part-time work
- Smart, tax-effective ways to draw income in retirement
- Planning for aged care, including keeping the family home
- The most common retirement mistakes, and how to avoid them
Apt Wealth Partners · Whitepaper
Women, retirement and long-term security
Meet the brokers behind your loan
Our finance specialists bring a large panel of lenders, deep knowledge of lender policy and a best interests duty to every conversation. Whatever you’re financing, you’ll find someone ready to listen first and help you plan with confidence
Aimee Telford
Aimee Telford
Personal Mortgage Adviser
Aimee Telford is a Personal Mortgage Adviser at Apt Wealth Partners, with a diverse background in the building and novated lease industry.
Melbourne
Albert Kavcic
Albert Kavcic
Finance Broker
Albert Kavcic is a Finance Broker at Acceptance Finance, working with families across Keilor and the surrounding Melbourne suburbs to secure home loans and grow investment portfolios.
Keilor/Keilor East, Melbourne
John Empey
John Empey
Finance Broker
John Empey is a Finance Broker at Acceptance Finance, working from his own office in Warrawee to help clients across Sydney's Upper North Shore with home loans, investment loans and refinancing.
Warrawee, Sydney
Matt Mannaert
Matt Mannaert
Finance Broker
Matt Mannaert is a Finance Broker at Acceptance Finance and one of the country's top-performing mortgage brokers, known for his work with property investors.
Balwyn, Melbourne
Matthew Baker
Matthew Baker
Senior Mortgage Adviser
Matt has over 11 years of experience in banking and finance including both personal and business banking.
Geelong
Matthew Papuga
Matthew Papuga
Finance Broker
Matthew Papuga is a Finance Broker at Acceptance Finance, splitting his time between the Balwyn office and Hoppers Crossing to stay available to clients across both areas.
Balwyn and Hoppers Crossing, Melbourne
Minji Kim
Minji Kim
Finance Broker
Minji Kim is a Finance Broker at Acceptance Finance, an award-winning broker known across Balwyn and Ringwood, and a trusted contact for Melbourne's Korean community.
Balwyn and Ringwood, Melbourne
Richie Kasai
Richie Kasai
Finance Broker
Richie Kasai is a Finance Broker at Acceptance Finance, based out of the Balwyn office and known across Kew and Doncaster.
Balwyn, Melbourne
Russel Shaw
Russel Shaw
Finance Broker – Northern Rivers
Russel Shaw is a Director of Acceptance Finance and its Senior Finance Broker for the Ocean Shores office, working across the Northern Rivers region and South East Queensland, with the backing of the Melbourne head office.
Ocean Shores, Northern Rivers NSW
Sally Whitworth
Sally Whitworth
Finance Broker
Sally Whitworth is a Finance Broker at Acceptance Finance, focused on educating clients so they can make informed decisions about their loan choices.
Balwyn, Melbourne
Sharon D'Costa
Sharon D'Costa
Finance Broker
Sharon D'Costa is a Finance Broker at Acceptance Finance, helping clients across home loans, refinancing, SMSF lending, reverse mortgages and commercial finance.
Melbourne
What our clients often ask us
Will consolidating my debts always save me money?
Not always. Depending on how long you take to pay it off, stretching shorter-term debt over a long home loan can mean more interest overall, even at a lower rate. We’ll help you crunch the numbers and decide if it’s right for you.
What’s the difference between an offset account and a redraw facility?
An offset account is a transaction account linked to your loan; the balance is offset against your loan, reducing the interest you pay. A redraw facility lets you make extra repayments to save interest, then access those funds if you need them later.
How much does it cost to refinance?
There can be discharge, application and other fees, which is exactly why a review matters. We factor these in so you can see the true cost and benefit before deciding.
Can I access my equity when I refinance?
Often, yes. Many people refinance to release equity for an investment property, a renovation or another goal. We’ll show you what’s available and what it means for your repayments.
Reading for your finance journey
Practical guidance on borrowing, structuring finance and the decisions ahead of you.
How to build financial confidence: A guide for women who want to take charge
Michelle Heffernan
Jun 05, 2026
There’s one thing that we consistently see lacking in women’s finances. And that’s confidence. Highly capable, intelligent women who completely underestimate themselves. Confidence and knowledge are not the same thing,...
Read more
Closing the retirement savings gap for women
Tracey Pace
May 09, 2025
In Australia today, women are still retiring with around 30% less superannuation than their male counterparts. And while some positive systemic changes are taking place, such as the government introducing...
Read more
Why it’s critical that women stay on top of their finances.
Emily Lanciana
Jul 09, 2018
Women face unique challenges when it comes to finance; factors such as the gender pay gap and increased likelihood of a career break to care for children or elderly parents...
Read more
Explore more on the Apt Wealth Partners blog.
See if your loan is still working for you
Book a no-obligation chat and we’ll review your loan, crunch the numbers and tell you honestly whether a change makes sense.
Prefer to talk now? Call us on 1800 801 277
Contact Us
Leave your details below, and an experienced adviser will be in touch.
"*" indicates required fields
