logo

Refinancing

We help you review your current loan, compare market options, and secure a better deal—whether you want to save money, access equity, or simplify your finances.

Features

Access to a wide range of lenders, including major banks and non-bank lenders
Comparison of your current loan against market-leading offers
Strategic loan structuring (e.g. offset accounts, interest-only vs P&I, debt consolidation)
Equity release options for renovations, investments, or personal needs
Exit cost analysis and refinance cashbacks (if applicable)

Benefits

Potentially lower monthly repayments and reduced interest over time
Smarter loan structure tailored to your current life stage
Ability to free up equity for future opportunities
Simpler, more manageable finances if consolidating multiple debts
Peace of mind knowing your loan is still competitive in today's market

Our Process

Our process is designed to be simple, transparent, and efficient.

1

Loan Review

We assess your current lending and identify opportunities to save or restructure

2

Strategy Session

We compare lender options and explain the pros and cons

3

Application & Valuation

We lodge your refinance and assist through the bank valuation process

4

Approval & Discharge

Once approved, we coordinate with your current lender to discharge your loan

5

Settlement & Support

We oversee settlement and continue to support you post-refinance

KM Lending Advisory

We guide you through complex lending scenarios with personalised advice, ensuring your finance is structured for long-term success.

KM Capital & Advisory Group P/L

Trading as KM Lending Advisory | ABN: 81682322265

ASIC Authorised Credit Rep Number Company: 569878

Credit Representative under AFG's ACL 389087

© 2025 KM Lending Advisory. All rights reserved.

Website by JD