Switching your loan


Love your home but not your loan?

While your home might still be perfect after all these years, your home loan might be in need of some work. The best loan option will depend on both your short term plans and long term goals.


Is refinancing a good option for you?

People refinance their loan for a number of reasons - they may not like their current bank, their interest rate may be too high, or their current loan may just not be flexible enough to do what they want. Whatever the reason, we can help.

After all, they say a change is as good as a holiday. In fact, by refinancing you might actually be able to afford a holiday! Just remember in most cases you can’t borrow more than 80% of your property's value without lenders mortgage insurance.


Common reasons to refinance

  • Switch to a lower interest rate
  • Switch to a loan with more flexible features, such as offset and redraw
  • Undertake minor renovations to your property
  • Fund other purchases, such as a car


Book a conversation with one of our helpful home loan advisers now to see how we can help you make the switch to QT Mutual Bank today.