As your dedicated home loan refinancing broker in Perth, Strawberry Finance reviews your current loan, compares options across 30+ lenders, and manages the entire switch from application to settlement – so you save more without the administrative burden.
We calculate the break-even point before recommending any change. If the savings do not clearly outweigh switching costs, we will tell you honestly. Most Perth borrowers who have not reviewed their loan in two or more years are paying significantly more than necessary.
We review your rate, structure, and features to confirm you are truly getting a good deal.
We compare refinance options across 30+ lenders and clearly show projected savings and break-even timelines.
We consolidate credit cards, car loans, and personal debts into your mortgage to immediately improve cashflow.
We handle all discharge forms, bank communication, and settlement so you never need to chase anyone.
We don’t just find you a loan; we design a lending strategy that supports your short-term plans and long-term wealth. Experience the difference of working with a broker who puts structure first.
We use real lender policy to calculate your actual borrowing power - not generic online calculators.
We manage everything from application through to settlement, handling all lender communication and paperwork for you.
Every refinance strategy is built around your specific income, current equity position, and long-term goals.
Cashback deals, complex debt consolidation, and non-standard income - we handle the scenarios others avoid.
We handle the heavy lifting of switching banks so you get the savings without the administrative headache.
We assess your current rate, exit costs, and features to identify precisely where you are overpaying.
We present tailored options with projected savings and break-even timelines for a fully informed decision.
We prepare your application and submit to the right lender - one submission, no credit score damage.
We coordinate discharge of your old loan and new account setup to guarantee a completely seamless switch.
Lenders
Years Experience
Happy customer
End to End Support
Refinancing does not have to be complicated, and it does not have to start with a stack of paperwork. At Strawberry Finance, we start with a conversation — 15 minutes on the phone where we look at your current loan, your rate, and what is actually available to you right now in the 2026 market. No obligations, no credit enquiry, just clarity.
If refinancing makes sense for your situation, we handle everything. As your home loan refinancing broker in Perth, we compare your current lender against our full panel, identify the right product for your income and LVR, and manage the switch from start to finish — including coordinating directly with your existing lender’s discharge team so you never have to chase anyone.
Most Perth homeowners who have not reviewed their home loan refinancing broker in Perth in the last two years are paying more than they need to. Whether you want a lower rate, access to equity, debt consolidation, or simply a loan that works harder for you, the conversation costs nothing. Call Sahil directly on 0457 133 453
Refinancing a home loan in Perth can feel overwhelming, especially when you are unsure about exit fees, credit score impacts, or how much work the process involves.
At Strawberry Finance, a trusted Home Loan Refinancing Broker in Perth, we believe refinancing should be simple and transparent. Here are answers to the most common questions we hear from Perth homeowners considering refinancing, so you can move forward with confidence and clarity.
Yes – if structured correctly. We calculate your break-even point before recommending any switch, ensuring your interest savings clearly outweigh all discharge fees, application costs, and any government registration charges. Discharge fees typically range from $150–$350, and many lenders currently offer cashback incentives of $2,000–$4,000 that offset switching costs entirely. If the numbers do not stack up in your favour within a reasonable timeframe, we will not recommend the move.
Yes. Rolling high-interest debts – credit cards at 18–22% or car loans at 8–12% – into your home loan at a significantly lower rate can reduce your total monthly outgoings substantially. We model the short-term cashflow benefit and the long-term interest cost for every consolidation we recommend. If consolidating adds too many years to your loan term, we will show you both scenarios so you can choose with full information.
Very little on your end. We handle the entire process – gathering your documents, preparing and lodging the application, managing the new lender’s conditions and valuation, and coordinating the discharge of your old loan directly with your existing bank. You do not need to contact your old lender at any point. A standard residential refinance typically takes 3–6 weeks from application to settlement.
Every formal loan application creates a credit enquiry, which has a minor short-term effect. Our approach protects you by identifying the right lender before submitting anything – we make a single, well-prepared application rather than approaching multiple banks. Shopping your application across several lenders simultaneously would cause multiple enquiries and meaningfully damage your score. We submit once, to the right lender, the first time.
Yes, but breaking a fixed rate early usually involves a break cost, which can be significant depending on how much market rates have moved since you fixed. We request the exact break cost figure from your lender before making any recommendation. In some cases the break cost is worth paying to access a materially better rate – in others, it makes more sense to wait until your fixed term expires. We model both scenarios with real numbers before advising.
Most lenders require at least 20% equity – meaning your loan balance should be no more than 80% of your property’s current value – to refinance without paying Lenders Mortgage Insurance again. If your property has increased in value since you purchased it, your LVR may now be well below 80% even if your deposit was originally smaller. We calculate your current equity position using a desktop valuation before recommending any lender, so you know exactly where you stand.
The right home loan refinancing broker in Perth will calculate your break-even point honestly, compare options across a wide lender panel – not just their preferred few – and manage the full discharge process without passing paperwork back to you. At Strawberry Finance, we only recommend refinancing when the numbers clearly work in your favour. We handle everything from the loan review through to settlement, and we review your loan annually so you are never overpaying again.
Working with a home loan refinancing broker in Perth costs you nothing directly. Brokers are paid a commission by the new lender once your loan settles – there is no fee charged to you for the loan review, lender comparison, application preparation, or settlement management. At Strawberry Finance, our refinance service is completely free to you from the initial loan health check through to the day your new loan settles.
Most Perth borrowers stay with their existing lender out of habit – not because they are getting a good deal. If your lender has not passed on recent rate movements in full, or if new customers are being offered a lower rate than you currently pay, a loan review is overdue. On a $600,000 loan, a 0.50% rate difference costs more than $3,000 per year. After the RBA rate cuts of 2025, lenders responded unevenly — many existing borrowers are now paying rates significantly above what is available in the market today.
Common triggers for refinancing include: your interest rate has not been reviewed in more than two years; you carry credit cards, a car loan, or personal debt you want to consolidate into a single lower-rate repayment; your property has increased in value and your loan-to-value ratio has improved; or your fixed rate term is ending and you want to compare options before your bank automatically rolls you to a higher variable rate. A structured refinance review costs nothing – the potential savings are significant.
| What We Offer | Why It Matters for Perth Borrowers |
|---|---|
| Honest break-even analysis | We only recommend refinancing when it genuinely improves your position – if it does not, we tell you |
| 30+ lender panel including non-banks | Access to rates and cashback offers your current bank will never proactively show you |
| Single credit inquiry policy | We identify the right lender upfront to protect your credit score – one submission, no shopping around |
| Full discharge management | We deal with your old lender directly so you never need to chase paperwork or settlement timelines |
| Debt consolidation modelling | We calculate the true long-term cost of rolling high-interest debt into your mortgage before recommending it |
| Annual loan review included | We review your loan every year post-settlement so you are never overpaying again |
Whether you are a homeowner who has not reviewed your rate in years, an investor looking to restructure lending across multiple properties, or a borrower carrying high-interest debt you want to consolidate, working with an experienced home loan refinancing broker in Perth is the fastest way to find out exactly where you stand – and what you could be saving. Strawberry Finance offers a free loan health check with no obligation, no forms to chase, and no impact on your credit score.
Speak with Sahil Saini, Director at Strawberry Finance. We will review your current loan, identify your savings opportunity, and tell you honestly whether switching makes sense at no cost to you.
Our specialists are ready to assist you with immediate support and accurate guidance for every service requirement.
32 Endeavour Road, Hillarys WA 6025
Call Now
Email Now
