Take control of your
home loan.
Interest rates, goals, and life circumstances change — your home loan should keep up. A restructure or refix helps you realign your loan with your current needs.
- check_circle Adjust your rate, term, or repayment type
- check_circle Access options from Multiple bank & non-bank lenders
- check_circle Stay competitive with today's market rates
What is a Restructure or Refix?
Loan Restructure
A loan restructure allows you to adjust your existing home loan setup — changing repayment type, term length, or splitting between fixed and variable rates.
Make your loan suit your current financial position, not the one you had years ago.
Refix
A refix means locking in a new fixed interest rate when your current fixed term ends or when you want repayment certainty.
Secure better rates and predictable payments for the term ahead.
When Should You Consider It?
You might benefit from restructuring or refixing your loan if:
Your fixed rate is about to expire
Interest rates have changed significantly
Your income or expenses have shifted
You plan to renovate, invest, or consolidate
You want to reduce interest or improve cash flow
How It Works
Review your current loan
We check your interest rate, repayment type, and loan term completely.
Understand your goals
Whether it's lowering ongoing monthly repayments or setting up faster debt reduction profiles.
Compare lender options
We benchmark your current deal against live market rates across multiple bank & non-bank lenders.
Negotiate with your lender
We can often directly secure a better deal in-house without the hassle of changing banks.
Implement changes
Once officially approved, your loan structure parameters or locked rates update immediately.
Example Scenarios
Example 1: Refixing a loan
Savings: approximately $120 per month on a $500,000 balance.
Example 2: Restructuring a loan
Changing from interest-only periods back to a principal & interest structural repayment plan.
Result: Shorten your total remaining term and save thousands over the life of the loan.
Frequently Asked Questions
No. Refixing means staying with your current lender but securing a new locked fixed rate block. Refinancing implies migrating your file over to a completely different financial institution.
Yes, you can, but the lender may assess economic break costs. We will accurately calculate whether the long-term benefits outweigh those upfront termination elements.
If you actively migrate from a floating variable rate over to a fixed parameters model, your ongoing repayment amounts generally adjust starting at the next immediate cyclic billing turn.
We highly recommend performing a professional check-up every 12–24 months, or immediately leading up to your locked fixed rate contract expiration dates.