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What we review in a refinance health check
Refinancing is not just about a lower rate. The wrong structure can reduce flexibility, borrowing power, and speed when timing matters.
Right Street reviews your current loan and compares refinance options that fit your goals, including structure, features and costs. If buying or investing is planned, we sense-check that your structure supports your timeline and avoids lender policy surprises.
You will leave with a clear recommendation and next-step plan. If refinancing stacks up, we manage it end-to-end, from submission and valuation through to conditions and settlement.
The result: competitive pricing today, with a structure that supports your next move.
For owner-occupiers and investors across Australia. Practical advice, clean structure, and a process that’s easy to follow.
Bank
= One brand
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Single policy
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Limited structure
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Short-term fit
Broker
= The market
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Policy match
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Smart structure
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Future flexibility
Outcome: Structure that fits your goals today and later
What we review in a refinance check
Refinancing is not just about chasing a lower rate. The wrong loan structure can cost you flexibility, borrowing power, and time when you need to move quickly.
Right Street reviews your current loan and checks refinance options that suit your goals, including structure, key features and costs. If buying or investing is part of the plan, we also sense-check that your structure supports your timeline and reduces policy surprises.
You will leave with a clear recommendation and a practical next-step plan. If refinancing stacks up, we manage the process end-to-end, from submission and valuation through to conditions and settlement.
The result? Competitive pricing today, and a structure that supports your next move with confidence.
Fixed rate ending
Your fixed rate ends in the next 3–9 months
Overdue review
You have not reviewed your loan in 12+ months
Cash flow relief
You want to reduce repayments or improve cash flow
Equity access
You want to release equity for investing or future plans
Structure reset
Your loan structure no longer fits your goals (offset, splits, multiple loans)
Clear costs and timing
You want clarity on refinance costs, timing, and what lenders will approve
When a refinance is worth looking at
Use this quick check to see whether a refinance review is worth your time. If one or more of these points apply, it’s usually worth comparing your options and confirming your next best move.
Fixed rate ending
Your fixed rate ends in the next 3–9 months
Overdue review
You have not reviewed your loan in 12+ months
Cash flow relief
You want to reduce repayments or improve cash flow
Equity access
You want to release equity for investing or future plans
Structure reset
Your loan structure no longer fits your goals (offset, splits, multiple loans)
Clear costs and timing
You want clarity on refinance costs, timing, and what lenders will approve
How it works
Refinancing can feel complex, but the process is straightforward when it’s managed properly.
Quick call
You share your goals and current setup. We confirm what’s needed and what to expect.
Review and lender options
We assess pricing, policy, structure and refinance costs, then map your best options.
Manage and settle
We handle the paperwork, lender communication, valuation and conditions through to settlement.
Clear recommendation on your best next move
Loan structure aligned to your goals (offset and splits)
Upfront clarity on costs, timing, and requirements
End-to-end refinance management through to settlement
What you get
Clarity now, flexibility later.
You’ll get a clear view of where you stand today, plus a refinance plan that supports your goals. This is about more than the rate. It’s about structure that keeps the next move easier.
If refinancing is the right fit, Right Street manages the process end-to-end, from lender selection and submission through to valuation, conditions and settlement. You stay informed at each step, without chasing banks or juggling paperwork.
Quick call
You share your goals and current setup. We confirm what’s needed and what to expect.
Review and lender options
We assess pricing, policy, structure and refinance costs, then map your best options.
Manage and settle
We handle the paperwork, lender communication, valuation and conditions through to settlement.
What you get
Clarity now, flexibility later.
Clear recommendation on your best next move
Loan structure aligned to your goals (offset and splits)
Upfront clarity on costs, timing, and requirements
End-to-end refinance management through to settlement
You’ll get a clear view of where you stand today, plus a refinance plan that supports your goals. This is about more than the rate. It’s about structure that keeps the next move easier.
If refinancing is the right fit, Right Street manages the process end-to-end, from lender selection and submission through to valuation, conditions and settlement. You stay informed at each step, without chasing banks or juggling paperwork.
Buying soon?
If a purchase is on the horizon, ask about The Alignment Advantage. It’s scoped strategy support included within mortgage broking when you’re buying, designed to keep finance and purchase decisions aligned. If you want end-to-end buyer’s agent execution, Alignment Advantage Plus is available.
Buying soon?
If a purchase is on the horizon, ask about The Alignment Advantage. It’s scoped strategy support included within mortgage broking when you’re buying, designed to keep finance and purchase decisions aligned. If you want end-to-end buyer’s agent execution, Alignment Advantage Plus is available.