Refinancing
Smarter refinancing starts here.
We’ll help you lower repayments, access equity, or simplify your finances — with expert advice and support from start to settlement.
Refinance your home loan with confidence
We’ll help you reduce repayments, access equity, or consolidate debt — without the guesswork.
Not sure if your loan is still competitive? We’ll help you find out — and switch to something smarter if it makes sense.
Refinancing isn’t just about chasing a lower rate. It’s a chance to free up cash flow, fund renovations or investments, or simplify your finances. We’ll compare options from over 50 lenders and guide you through the process — from numbers to paperwork to settlement.
Whether you're looking to:
- - Free up cash flow
- - Unlock equity for renovations or investments
- - Consolidate debts into your home loan
- - Or just take advantage of a better deal
We’ll help you weigh the costs and benefits — and make a confident, informed decision.
More loans. More choice.
We compare hundreds of options across 50+ lenders — including the big banks, credit unions, and smaller specialists — to help you find the right loan now, and down the track.
Achieved the Best Result with Ease – Thanks to OGMA Finance
Patrick and team made the loan process incredibly easy, smooth, and stress-free. The team was always available to answer our questions and provide clear guidance every step of the way. They took the time to understand our goals and worked alongside us to ensure we achieved the best outcome. We truly appreciated their support and will definitely use them again in the future. Thanks OGMA Finance!
~ Jenny C.
Meet Patrick Morgan
Director, OGMA Finance
Patrick has spent over a decade in the finance industry and is known for his ability to simplify complex scenarios and go the extra mile for his clients. He takes the time to understand your goals and tailors lending strategies to fit both your short- and long-term needs.
He specialises in owner-occupied and investment lending, and his work has been recognised with multiple national awards:
- 🏆 Finalist – Best Mortgage Broker 2025 (Better Business Awards)
- 🏆 Finalist – Best Finance Broker 2024 (Better Business Awards)
- 🏆 Finalist – Best Mortgage Broker 2024 (Better Business Awards)
- 🥇 Winner – Top Writing Broker 2018 & 2019 (1300 Home Loan)
Frequently Asked Questions
Why should I refinance my home loan?
To save money, access equity, or improve your financial flexibility. We’ll help you understand your options and whether it’s worth the switch.
What costs are involved in refinancing?
There may be discharge fees, valuation costs, or new lender setup fees — but some lenders offer cashbacks to offset this.
Can I refinance to consolidate debt?
Yes — we can help roll credit cards, car loans or personal loans into your home loan.
How long does it take to refinance?
Refinancing can take 2–4 weeks depending on the lender and how quickly documents are provided.
Will refinancing affect my credit score?
We’ll run an initial soft check and only lodge a full application once you're confident it's the right move.