Home loan refinance specialists

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. Refinancing a home loan turns on whether the real offers stack up once your circumstances have changed, so we line them up against each other rather than chasing a headline. We take that changed position to the lenders comfortable with it and keep watching as rates and your plans shift, since a switch is rarely a one-off. Every figure is subject to serviceability, lender appetite and approval.

It depends on the gap between your current rate and what is on offer for your situation, and on your remaining balance and loan term. The bigger the gap and the larger the loan, the more there is to gain. We compare 30+ lenders, model the saving against any costs of switching, and show you a clear before-and-after so you can decide on real numbers rather than a headline rate.

Refinancing can involve a discharge fee from your current lender, an application or settlement fee from the new one, and a valuation cost. If you are still inside a fixed term, a break cost may also apply. Variable loans generally have no break cost. We factor every one of these into our numbers so you see the true cost of switching before you commit to anything.

It comes down to your current property value, your remaining loan balance and how much each lender is willing to lend against your home. The gap between what your property is worth and what you owe is your usable equity, though lenders cap how much of it you can draw. We assess your value, model what is realistically available and match you with a lender comfortable releasing it.

Each application creates a credit enquiry on your file, and several enquiries in a short window can affect how lenders read your profile. Because we compare lenders first and apply to the one that suits you, we keep enquiries to a minimum. A single, well-placed application is far gentler on your credit than shopping around lender by lender.

A straightforward home loan refinance usually takes around three to four weeks from application to settlement, though it can vary with lender turnaround times and how quickly documents come together. We respond within a few business hours, prepare your application properly, and give you a realistic timeline at the start so you can plan around it.

Often, yes. Credit cards, personal loans and car finance can be rolled into your home loan through a refinance, bringing everything into one lower-rate repayment. The thing to weigh is that debt spread over a long loan term can cost more in total interest if it is left to run, so we model both sides with you. We model both sides with you so you can weigh the monthly relief against the long-term cost.

There is no single right answer. A fixed rate gives you certainty over your repayments for a set period, while variable keeps the flexibility to make extra repayments and access features like an offset account. Some people split their loan to get a bit of both. We walk you through how each option would work for your situation so you can choose with a clear head.

In almost every case, no. We are paid a commission by the lender once your loan settles, so our support comes at no cost to you. If anything unusual ever meant a fee might apply, we would tell you plainly before any work begins. You will never be surprised by a charge.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever in Australia your home is located, we can arrange your refinance.