HOME LOAN REFINANCE
Could you be paying less on your home loan?
See how your current mortgage compares. Mary at PFS Brokers helps you understand your refinance options, from rates and repayments to the costs of switching.
Free initial review · No obligation to switch
Lenders on our panel
WHY REVIEW YOUR HOME LOAN?
Your mortgage should keep up with your life.
Repayments feeling higher? Fixed rate ending? Haven’t checked your loan in a while? A refinance review helps you understand what could change and whether it’s worthwhile.
Review your interest rate
See how your current rate compares with refinance options available through our lending panel. We look at fees as well as the advertised rate.
Understand your repayments
Explore what a different loan could mean for your household budget. We explain how the rate and loan term affect repayments and total interest.
Plan for your fixed rate ending
Understand your options before your fixed period finishes. If you’re considering an earlier switch, potential break costs belong in the comparison.
Find features that fit
Review offset, redraw and extra repayment options against the way you manage your money, including any additional fees or conditions.
Check the cost of switching
Compare potential savings with the costs of leaving your current lender and setting up the new loan. A lower rate alone doesn’t tell the full story.
Get help with the next steps
If you decide to proceed, Mary guides you through the information and documents needed for your refinance application and explains what happens next.
YOUR REFINANCE BROKER
Banking experience. A clearer refinance decision.
I’m Mary, founder of Providence Financial Services. I spent nearly 18 years at ANZ across personal lending, service leadership and credit operations.
When you’re reviewing a home loan, the details matter. I help you understand the options, prepare for the lender’s assessment and make sense of the trade-offs.
We’ll start with your existing mortgage and what you want to change. You’ll get a clear explanation of your refinance options, so you can decide what to do next without pressure to switch.
A clear path from review to refinance.
Understand your options before you decide to change lenders.
01
Share your goals
Share what you’d like to improve and when. Add two estimates if you have them, then your contact details so Mary can discuss your refinance goals.
02
Compare options
Mary reviews your answers, talks through your current loan and explains relevant options, including rates, repayments, features and switching costs.
03
Choose your path
If refinancing suits your circumstances, Mary helps you prepare the application. If it isn’t worthwhile, you can keep your existing loan and revisit it later.
A clear conversation before you decide to switch.
A little clarity. A lot of confidence.
I had a fantastic experience working with Thomas and Marry. They were professional, knowledgeable, and incredibly helpful throughout the entire process. They took the time to understand my needs, explained everything clearly, and…
We recently worked with Mary and Thomas for our home loan and had a great experience. They took the time to explain the different options available and made the whole process of refinancing easier to understand. Communication was…
I recently worked with Thomas for the refinance of my existing property and later for a construction loan for a granny flat, and I couldn’t be happier with the experience. He…
Mary is very professional and well versed with banking processes, procedures, and loan processing formalities. Mary had applied bank loans for us, and was able to get us the…
Mary Pudota was incredible to work with. I had a very important personal loan request and she handled everything with care, clarity and urgency. She understood exactly what I…
Your refinance questions, answered.
Clear answers to the practical questions that come with changing your home loan.
YOUR NEXT STEP
Find out where your home loan stands.
Tell Mary what you’d like to improve. Your free refinance review starts with a few questions about you and your current mortgage.
- Free initial review
- Costs and trade-offs explained
- No obligation to switch
This is an enquiry, not a loan application.
Providence Financial Services Pty Ltd · ABN 69 695 241 797. Credit Representative 578285, authorised under Australian Credit Licence 384704 held by Finsure Finance and Insurance Pty Ltd.
General information only, without taking into account your objectives, financial situation or needs. Your circumstances must be assessed before a suitable loan can be recommended. Submitting an enquiry is not a loan application, offer or approval.
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