Switch & Save on Your Home Loan
Are you paying too much on your current home loan? Many Australians are on rates well above what's available today. Dahiya Mortgage & Finance helps homeowners refinance to better rates — potentially saving $500+ monthly — while comparing 30+ lenders and handling the entire switch process, making it completely hassle-free.
Key Benefits
Our Refinancing Process
Banks rarely offer their best rates to existing customers. By refinancing, you access competitive new-customer rates and can potentially save hundreds per month. We also compare 30+ lenders to find cash-out refinance options up to 80–90% LVR — unlocking equity for renovations, investments, or debt consolidation.
Beyond rate savings, refinancing can help you restructure your loan to pay it off faster, fix your rate for certainty, or access equity without selling. We analyse your complete financial picture — factoring in discharge fees, valuation costs, and break-even points — before recommending the best strategy.
Savings Calculator
We calculate exactly how much you save by switching, factoring in all costs, break fees, and your break-even point.
Hassle-Free Switch
We manage the entire refinancing process — paperwork, valuations, lender coordination, and settlement.
Debt Consolidation
Combine credit cards, car loans, and personal loans into your mortgage at a much lower rate (often 18% → 6%).
Equity Access
Cash-out refinance up to 80–90% LVR to fund renovations, investment properties, or other financial goals.
Refinancing Across Melbourne
Frequently Asked Questions
In most cases, yes. Even with discharge and application fees, the long-term savings from a lower rate far outweigh switching costs. We calculate your break-even point upfront.
Typically 4–6 weeks from application to settlement. We handle all paperwork and coordination to make the process as smooth as possible.
A refinance application creates a credit enquiry with minimal impact. The long-term benefit of a lower rate far outweighs any temporary score adjustment.
Find out how much you could save.
Speak with Sunil Dahiya and the team. No obligations, just honest advice tailored to your situation.