Take control of your finances, reduce stress, and build a smarter path forward.

When interest rates fluctuate, being proactive with your mortgage isn’t just smart — it’s essential. And if you're juggling multiple debts, refinancing can be a powerful tool to regain clarity, reduce pressure, and simplify your finances.

Regularly reviewing your home loan ensures it still supports your financial goals — and allows you to identify opportunities to consolidate debt, lower repayments, and strengthen your financial foundation.

Why consider refinancing to consolidate debt?

Consolidate debt into one simple repayment
If you're managing multiple repayments — credit cards, car loans, personal loans — refinancing allows you to combine them into a single home loan. One interest rate. One due date. One clear path forward.

Reduce interest and save
Home loan rates are generally much lower than personal loan or credit card interest rates. By consolidating debt into your home loan, you could significantly reduce what you pay in interest — both now and over time.

Ease financial stress and free up cash
Combining your debts into one manageable repayment can free up room in your budget, reduce financial pressure, and allow you to redirect money toward savings, your lifestyle or other goals.

Make your loan work for your life
Alongside debt consolidation, refinancing gives you the opportunity to:

• Secure a lower interest rate

• Adjust your loan term to repay faster (or reduce repayments)

• Switch between variable and fixed rates

• Access equity for renovations, investments or other major expenses

With access to over 60 lenders, The Lending Society helps you explore your full range of options — not just what your current lender offers.

With The Lending Society, refinancing isn’t just a financial strategy - it’s an opportunity to optimise your home loan and enhance your financial wellbeing. We’ll work with you to develop a strategy that fits your life, your income, and your goals — and give you a clear path forward.

Ready to make your money work harder for you? Let's chat and turn those refinancing goals into reality!

THE PROCESS 

INITIAL REVIEW
Your broker will discuss your financial situation, assess your current mortgage and determine why you want to refinance. 

YOUR LOAN OPTIONS
We will then compare your existing loan with over 60 different banks & lenders to find a deal that fits your financial objectives. 

SUBMIT & SETTLE
Once you’ve selected a new loan, we will submit your application and manage the transition at settlement.

ONGOING SUPPORT
Your broker will review and negotiate with your lender throughout the life of your loan and be available for any ongoing support after settlement!