FirstPoint Mortgage Brokers logo
FirstPoint Mortgage Brokers logo

Refinance Home Loan Broker in Sydney

Established 2004 • No Broker Fees • 5.0 from 980+ Google Reviews

Review Your Mortgage and Compare 35+ Lenders for a Better Home Loan Rate

If your home loan hasn’t been reviewed in the last couple of years, you could be paying more than you need to. Our Sydney refinance brokers compare your current rate, fees and features against 35+ lenders, then handle the switch from application to settlement. Explore Our Lenders

FirstPoint Mortgage Brokers helps homeowners across Sydney, including Cronulla, Miranda, Caringbah and the wider Sutherland Shire, explore refinancing options. Whether your goal is to reduce repayments, access equity for renovations or investment, or change loan features, our team can guide you through the available options and refinancing process.

A modern home exterior with a garden and outdoor dining area, suggesting time to refinance
Happy couple celebrating a successful home loan refinancing decision in Sydney.

Why Consider Refinancing?

Refinancing isn’t just about chasing a lower rate. It’s about making sure your loan still fits your situation.

You may benefit from refinancing if you want to:

  • Reduce your interest rate

  • Lower monthly repayments

  • Consolidate debts

  • Access equity for renovations or investment

  • Switch from variable to fixed (or vice versa)

  • Remove outdated features or fees

Even a small rate difference may affect repayments and total interest over the life of a loan.

Accessing Equity When Refinancing

If your property has increased in value, refinancing may enable you to tap into your equity.

Homeowners commonly refinance to:

We’ll help determine how much equity may be available and whether it makes financial sense to use it.

The Refinancing Process

Refinancing is more straightforward than most people expect.

  1. Review your current loan and goals

  2. Compare suitable lender options

  3. Submit application and supporting documents

  4. Loan approval and settlement

We manage the process from start to finish, ensuring everything runs smoothly.

FirstPoint Mortgage Brokers logo and text promoting access to better rates and flexible loan terms

Tips to Follow When Refinancing A Home Loan.

10 steps to follow while refinancing

Step 1

Understand why you’re refinancing

Step 2

Know the costs of refinancing

Step 3

Get your documents ready

Step 4

Figure out how much equity you have

Step 5

Shop around with multiple lenders through a broker

Step 6

Obtain a conditional approval

Step 7

Order property valuation

Step 8

Obtain formal approval

Step 9

Complete settlement

Step 10

Set up the new loan

How much can I borrow?

  • How much you may be able to borrow depends on your income, expenses, existing debts, available equity, credit profile and the lender’s assessment criteria. Some borrowers may qualify for a higher loan-to-value ratio, although additional conditions and Lenders Mortgage Insurance may apply.
  • The more equity you have in your home, the more you can borrow.
  • Your credit history is one of several factors lenders consider when assessing an application. Lending limits, rates and approval conditions vary between lenders and individual circumstances.
When refinancing you are required to document:
  • Last 6 months home loan statements which show the total amount owing to the bank.
  • Recent council rates notice and building insurance on your home.
  • Last three months’ unsecured debt statements such as credit card statements, personal loan and car loan statements etc.
  • You’ll also need to provide your 2 most recent payslips, bank statements and IDs.
  • There’s usually a few additional case-specific and lender specific documents as well.

We can compare suitable refinancing options from our lender panel and explain the potential costs, features and savings relevant to your circumstances.

A financial advisor discusses refinancing options with a couple reviewing documents in a modern kitchen

Why Use FirstPoint for Home Loan Refinancing?

We have looked after our locals for many years and are proud to be part of the Sutherland Shire Community. We are Shire-born and raised, and here to help our neighbours.

We can help you refinance, whether for your existing home loan or if you’re looking to switch from another bank or lender. We do the running around and work around your schedule.

We have years of industry experience and have helped many home buyers and families in the Sutherland Shire find a suitable lending option for their needs and circumstances. We manage the refinancing process from application through to settlement and keep you informed at each stage. Timeframes depend on the lender, valuation and complexity of the application. 

FirstPoint Mortgage Brokers' Google rating displaying 5.0 stars based on 884 reviews.
Three smiling men posing with a trophy at a Sutherland Shire event.

Frequently Asked Questions

Knowledgeable. Trusted. Invested.

The team at FirstPoint Mortgage Brokers are the best mortgage brokers for refinancing in the Sutherland Shire. They have 982+ 5 star google reviews and very good reviews regarding refinancing to a better home loan rate and assisting with refinancing complex structures. Further, the team at FirstPoint Mortgage brokers are experts at assisting Self employed with refinancing. The team have an in-depth knowledge of multiple lender policies in order to assist their clients access the best home loan products at the best price. Give the team at FirstPoint a call 02 9527 2230

FirstPoint Mortgage Brokers. Based in Cronulla, the team at FirstPoint Mortgage brokers are experts in completing home loan reviews for their clients. Chris Pryer, Jonathan Harris, Collins and Ethan Tudjman are all mortgage brokers at FirstPoint and experts in Refinancing to obtain a cheaper rate, refinancing to obtain additional funds, refinancing to achieve a better structure. The team will also discuss and assist with:

  • P&I or interest only options
  • Fixed rate options
  • Offset accounts
  • Redraw
  • Valuations
  • Weekly, Fortnightly and Monthly repayments

 

A good mortgage broker will review your home loan every 6 to 12 months and ensure your loan is competitively priced whilst still meeting your needs an objective. If you haven’t reviewed your home loan in years, now is the time to review your home loan.  Contact the team at FirstPoint Mortgage brokers to complete a full home loan review and see how much you can save. The team will also review your home loan annually as part of the team's annual review process.

Yes, using a mortgage broker will give you choice whilst also guiding you through the process and navigating the thousands of home loan products in the market. A mortgage broker will negotiate interest rates, compare thousands of home loan products and features whilst also navigating multiple lenders policy to find the product that meets your needs and objectives. The team at FirstPoint Mortgage Brokers  are refinance experts from PAYG borrowers, to complex self employed and credit impaired borrowers. The team have a wide range of lenders on their panel (prime and non prime lenders). FirstPoint Mortgage Brokers can assist with refinancing home loans, commercial loans, SMSF loans, Debt consolidation and also access additional equity.

 

A mortgage broker can assist with comparing your current home loan against other lenders. Mortgage brokers have access to a large panel of lenders and will assist with the application process all the way from submission to settlement (and post settlement reviews). Visiting a mortgage broker like the team at FirstPoint Mortgage brokers you will have access to over 20 lenders in one place. Chris Pryer, Ethan Tudjman, Greg Collins and Ethan Tudjman are all specialists in comparing home loans and commercial loans for their clients.

Yes, depending on your current situation and potential savings at the new lender. Things to consider are annual interest savings, switching costs (discharge costs and entry costs), annual fees, features like 100% offset accounts and redraw, Fixed vs variable. A mortgage broker can assist with assessing the full picture and whether a refinancing is the right option for you.

Yes a mortgage broker can refinance your home loan and consolidate other debts. It is common for a mortgage broker to refinance a home loan plus consolidate car loans, personal loans and credit cards in order to achieve an ideal outcome or goal. Whether that a reduced interest rate or a reduced monthly repayment for cash flow purposes a mortgage broker can assist with debt consolidation and equity releases. Things to consider include exit fees from existing liabilities and the loan term (as an extension to loan terms could result in paying higher interest over the life of the loan). Contact the award-winning team at FirstPoint Mortgage Brokers in Cronulla who are experts in Debt consolidation 02 9527 2230.

 

Don't Just Take It From Us, Our Customers Are Our Biggest and Best Advocates

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FirstPoint Mortgage Brokers5.0
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Jack Tsoi
1 week ago
excellent service from start to finish ! Chris made the entire SMSF loan process smooth and stress free I highly recommend his service to anyone looking for a knowledgeable , reliable broker
Response from the owner:Thanks Jack, really appreciate the kind words. SMSF lending can be tricky, so great to hear Chris made the whole process easy and got a good result for you. Thanks for putting your trust in us and for the recommendation, it means a lot. You know where we are when you need us.
Sharlene Harkness
1 week ago
Amazing service from start to finish! Efficient, approachable and always happy to help. I had a wonderful experience working with my mortgage broker. He was incredibly quick, responsive, and professional throughout the entire process. Communication was always clear, and he made everything smooth and stress-free. I found this particularly helpful given we are a working family with young children and we always seem to be time poor. Jonathon was always available to answer questions and kept us informed every step of the way. I couldn’t be happier with the service he provided and would highly recommend him to anyone looking for a reliable and knowledgeable mortgage broker!
Response from the owner:Thanks Sharlene, really appreciate the lovely feedback. Jono of all people knows how busy life can get with work and young kids, so it's great to hear he made the whole process that bit easier for you and your family. He'll love reading this. Thanks again for putting your trust in Jono and FirstPoint, and for the recommendation.
Michael Brennan
2 weeks ago
I’ve worked with Jonathan for several years on financing and refinancing home loans. He is fantastic to deal with, provides sound advice, moves quickly and a great communicator. I’d recommend First Point and Jonathan to anyone looking to finance a home.
Response from the owner:Thanks Michael, we really appreciate your loyalty over the years and the great feedback. Jono prides himself on giving solid advice, moving fast, and keeping clients in the loop, so it’s great to know that’s exactly what you’ve experienced. Always a pleasure to work with you mate.
Sandra Drew
2 weeks ago
Chris Made the Whole Process Easy. I was referred to Chris and it was the best referral ever. I would highly recommend Chris and his team for any financing/loan needs as he made the whole process very easy and kept us informed the whole way. He is very calm under what I am sure are very stressful circumstances which made me feel much better knowing that he was handling everything. We were also on a tight time frame as I was going away, but again, everything was finalised before my departure. I will definitely be using Chris for my future finance needs, and again recommend him to anyone also looking for a professional in this field.
Response from the owner:Wow, thanks Sandra, really appreciate the great feedback. Chris will love hearing this. He has a great knack for keeping things calm and straightforward, even when the clock is ticking! Fantastic to hear everything came together before your trip. Thanks again for trusting Chris and FirstPoint Team, and for the recommendation, it means a lot! We look forward to helping you again down the track. You know where we are whenever you need us.
Mike Willmott
3 weeks ago
Professional and friendly agent who communicated clearly and made the process much easier for us. . It was a pleasure working with Chris to help get mine and my partners mortgage sorted recently. A clear and professional communicator, who explained the process every step of the way and helped us find the deal that was the best for us. Chris was always quick to reply when needed and open to answering any questions we might have (a few considering we were first time home buyers). The entire process felt much easier and smoother with Chris’ advice and expertise. Chris also makes the effort to work with his clients around their busy work day, being open to book an after hours catch up to discuss the finer points recognising that not everyone has time during the work day. He kept things straight forward and professional and interacts with a high level of integrity. I would highly recommend Chris and have already done so to friends and colleagues.
Response from the owner:Thanks Mike, really appreciate the fantastic review. Buying your first home is a big deal, so it’s great to hear Chris made the process clear, straightforward and that little bit easier for you both. All of us at FP genuinely cares about being available for our clients and finding the right outcome. Thanks again for trusting Chris and FirstPoint, and especially for already recommending us to others, that means a lot.
Jordan Toft
4 weeks ago
Expert knowledge, continuous availability, no question unanswered and executed precisely . From the get go Jonathan from FirstPoint Morgage Brokers delivered expert knowledge, specific to my situation, sourcing a unique product that encompassed my needs. Communication was direct and forthcoming with no situation or option left in ambiguity. No question was too small or insignificant and I was guided positively throughout the entire process linking all parties efficiently and effectively. Securing finance, the right finance, is a key component in a process with many moving parts, having an informative, reliable and effective partner for this segment of the process was a great reassurance.
Response from the owner:Thanks Jordan, we really appreciate the fantastic feedback. Jono takes great pride in finding the right solution for each client, particularly when things aren't always straightforward. Great to hear his knowledge, communication and attention to detail gave you confidence throughout the process. Thanks again for trusting Jono and FirstPoint, and for taking the time to share your experience. Jordan so good to have you back in the FP fold.
Adam Deering
4 weeks ago
Chris was incredibly helpful and efficient, I would highly recommend.
Response from the owner:Adam, great 5 Star Review on Chris, thanks so much for choosing FirstPoint as your preferred Mortgage Broker, you know where to find us should you need us.
Rosanna Arrowsmith
4 weeks ago
Answered all our questions as first home buyers with no clue what we were doing. . Emails replied quickly, excellent communication and leads to conveyancer, a smooth and seamless process with the bank and the vendor. Extremely professional. We chose First Point Mortgage Brokers based on their 5 star rating and have zero regrets. Jonathan and the team highly recommended! Would give 6 stars if I could.
Response from the owner:Thanks so much, Rosanna, we’ll happily take the 6 stars! It’s great to hear Jono and the team made your first home buying experience feel smooth, clear and seamless from start to finish. Buying your first home is a huge milestone, so congratulations and thanks for putting your trust in FirstPoint based on our reviews. Now you’ve added another great one!
Emma and Liam
1 month ago
Absolute legend and the broker you want in your corner! We couldn’t have asked for a better broker than Chris while buying our first home. He was incredibly helpful, patient and easy to talk to throughout the whole process. He explained everything clearly, kept us updated and was always happy to answer our questions, no matter how small. Buying a home can feel overwhelming, but Chris made us feel supported and confident every step of the way. We’re so grateful for everything he did for us and would happily recommend him!
Response from the owner:Thanks Emma and Liam, what a fantastic review! Chris will absolutely love the “legend and the broker you want in your corner” call, can'y help but agree. Buying your first home is a huge milestone, so it’s great to hear he made the whole journey feel clear, supported and that little bit less daunting. Huge congratulations to you both, and thanks for trusting Chris and FirstPoint to help get you there.
Karen Yu
1 month ago
Excellent service. Easy to apply . Chris is very professional and keep me updated all the time. Great to deal with
Response from the owner:Thanks Karen, really appreciate the great feedback. Fantastic to hear Chris made the whole process easy and kept you informed every step of the way. Thanks again for trusting Chris and FirstPoint!
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