Refinancers

Refinancing isn’t just about securing a better rate; it is more importantly re-aligning your loan structure to your life and property plans.

How we help

‍

Whether you're looking to free up cash flow, open an ability to invest, renovate, or reduce repayments, we're here to guide you through the options and strategies you have available.

We know this can be confusing, exhausting and time-consuming. We are here to help take that pain away.

Questions running through your mind

Is my current interest rate still competitive?

Will I save money after refinance costs?

Will my cashflow be better?

Can I access equity?

Should I move lenders?

Can I buy an investment property?

Should I fix my loan?

Can I refinance now?

A lot has likely changed since you last reviewed your mortgage: your life, and your goals. In today’s lending landscape, loyalty rarely gets rewarded.

‍
We might chat about:

Renegotiate with your
current bank

If rate is all that matters, are you best to just ask your current lender?

Refinance with your
current bank

If you're stuck with your current bank, should we consider refinancing to a better structure?

Refinance with a new bank

What is the best option in the marketplace for the structure that best suits your life?

Mortgage Advice

There is more to mortgages than fees and rates; we understand what makes great mortgage advice, and we have a clear culture that provides best practice guidance.

Refinancing isn’t always about “saving the most” — it’s about structuring your loans to help you live the way you want to.

Here’s what we consider:

Negotiate the interest rate

We will secure a highly competitive interest rate for you and negotiate on your behalf.

Loan Structuring

We will optimise your loan structure to minimise your repayments, improve cash flow, and maximise tax deductions.

Access equity

We will release equity to create the ability to fund renovations, invest further or build financial buffers.

Offset Account

We will maximise the benefit by increasing your savings into an offset account, reducing interest and maximising your tax deductibility.

Benefits of Switching

We weigh the real savings vs switching costs, no surprises.

Consolidate debts

Roll higher-interest debts into your mortgage for lower repayments.

Ryan O’Hare, CEO

"I’m more than happy to provide a testimonial for Chris and the team at Alcove. They’re all legends, and they’ve made me and my family’s lives better through association with them. Chris, Ben and team have partnered with my wife and I to purchase 3 properties in the last 5 years. I say ‘partner’ cos that’s what they’ve done. There can’t be better firms than these guys out there. Give them whatever award you have, and more."

Owen Raszkiewicz, Founder, The Rask Group

“Alcove saved us: we had seven days to settle and no loan approval. They got the deal done and the team have been the long-term partner for the whole Rask business since 2022”

Lucy Briggs, Head of Marketing, Schroders

“As a broker Alcove help demystify and lighten the mortgage process; but as an advice partner they are so much more - helping us debate areas, properties and strategies to secure the future we want”

Carlos Cacho, Economist, Macquarie Group

“Alcove have been our go-to for understanding the mortgage and property market, and have personally provided my family with complex mortgage strategy advice for many years”

Bryce Leske, Co-Founder Equity Mates

“Alcove challenged our thinking on many levels; stopping us from buying the wrong property and ultimately, helping us buy the right one”

Amy, Operations Lead, First Home Buyer

“Alcove helped us buy our first home while navigating a move outside of Sydney. It was confusing to know what to do, but they gave us the confidence to make it happen”

Listen to our podcast Australian Property Podcast

We’ve got time to talk

Book a chat with one of the team, and we’ll take it from there.

Refinancers

‍

We know this can be confusing, exhausting and time-consuming. We are here to help take that pain away.

Questions running through your mind

Is my current interest rate still competitive?

Will I save money after refinance costs?

Will my cashflow be better?

Can I access equity?

Should I move lenders?

Can I buy an investment property?

Should I fix my loan?

Can I refinance now?

A lot has likely changed since you last reviewed your mortgage: your life, and your goals. In today’s lending landscape, loyalty rarely gets rewarded.

‍
We might chat about:

Renegotiate with your
current bank

Refinance with your
current bank

Refinance with a new bank

Mortgage Advice

Refinancing isn’t always about “saving the most” — it’s about structuring your loans to help you live the way you want to.

Here’s what we consider:

Negotiate the interest rate

Loan Structuring

Access equity

Offset Account

Benefits of Switching

Consolidate debts

“Alcove saved us: we had seven days to settle and no loan approval. They got the deal done and the team have been the long-term partner for the whole Rask business since 2022”

“As a broker Alcove help demystify and lighten the mortgage process; but as an advice partner they are so much more - helping us debate areas, properties and strategies to secure the future we want”

“Alcove have been our go-to for understanding the mortgage and property market, and have personally provided my family with complex mortgage strategy advice for many years”

“Alcove challenged our thinking on many levels; stopping us from buying the wrong property and ultimately, helping us buy the right one”

“Alcove helped us buy our first home while navigating a move outside of Sydney. It was confusing to know what to do, but they gave us the confidence to make it happen”

Listen to our podcast Australian Property Podcast

We’ve got time to talk

Fortnightly insights in your inbox.

Selected Awards

2024 The Adviser

2024 MPA

2024 MFAA Excellence

Refinancers

‍

We know this can be confusing, exhausting and time-consuming. We are here to help take that pain away.

Questions running through your mind

Is my current interest rate still competitive?

Will I save money after refinance costs?

Will my cashflow be better?

Can I access equity?

Should I move lenders?

Can I buy an investment property?

Should I fix my loan?

Can I refinance now?

A lot has likely changed since you last reviewed your mortgage: your life, and your goals. In today’s lending landscape, loyalty rarely gets rewarded.‍We might chat about:

Renegotiate with your current bank

Refinance with your current bank

Refinance with a new bank

Mortgage Advice

Refinancing isn’t always about “saving the most” — it’s about structuring your loans to help you live the way you want to.Here’s what we consider:

Negotiate the interest rate

Loan Structuring

Access equity

Offset Account

Benefits of Switching

Consolidate debts

“Alcove saved us: we had seven days to settle and no loan approval. They got the deal done and the team have been the long-term partner for the whole Rask business since 2022”

“As a broker Alcove help demystify and lighten the mortgage process; but as an advice partner they are so much more - helping us debate areas, properties and strategies to secure the future we want”

“Alcove have been our go-to for understanding the mortgage and property market, and have personally provided my family with complex mortgage strategy advice for many years”

“Alcove challenged our thinking on many levels; stopping us from buying the wrong property and ultimately, helping us buy the right one”

“Alcove helped us buy our first home while navigating a move outside of Sydney. It was confusing to know what to do, but they gave us the confidence to make it happen”

Listen to our podcast Australian Property Podcast

We’ve got time to talk

Fortnightly insights in your inbox.

Selected Awards

2024 The Adviser

2024 MPA

2024 MFAA Excellence

A lot has likely changed since you last reviewed your mortgage: your life, and your goals. In today’s lending landscape, loyalty rarely gets rewarded.

‍
We might chat about:

Renegotiate with your
current bank

Refinance with your
current bank

Refinancing isn’t always about “saving the most” — it’s about structuring your loans to help you live the way you want to.

Here’s what we consider: