Refinancing

Refinancing made simple for better rates and terms

Take control of your finances with our flexible refinancing options. Lower your interest rate, consolidate debt, or secure better loan terms.

Refinancing your home loan or personal loan with us can help you reduce repayments, access equity, or restructure your loan to suit your needs.

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Benefits of a loan from Prosper

We’re here to help - from the big things to the little things. To help you make a start, or start over.

Loan amount

$150,000 - $2,000,000

Secured interest rate

5% - 6.8%

Unsecured interest rate

Not Offered

Loan terms

10 - 30 years

Rate type

Fixed or Variable or Split

Average turnaround

1 - 3 business days

Establishment fee

$0 - $1,000

Repayment frequency

Weekly, fortnightly, or monthly

Documents Needed

Identification Documents

Passport or driver’s license.

Medicare card.

Existing Loan Details

Current loan statements (last 6 months).

Payout figure or discharge authority from the existing lender.

Proof of Income

Recent pay slips (2-3 months).

Tax returns (if self-employed).

Bank Statements

Transaction account statements (3-6 months).

Property Details

Current property valuation.

Credit History

Details of other debts or liabilities.

Additional Documents (if accessing equity)

Purpose of equity release (e.g., renovation quotes, investment plans).

Proof of Address

Utility bills or rental agreements.

READY TO GIVE US A TRY?

Ready to refinance your loan?

Our team is ready to help you find better rates and terms. Contact us today to start your refinancing journey!

BOOK APPOINTMENT

No Compromise, Just Maximize.

How to Refinance Your Loan

Consultation

Talk to our experts about your current loan.

Financial Review

We assess your situation to tailor the best refinancing solution.

Submit Application

Once you've chosen a loan, we'll submit an application on your behalf similarly to when you first took out a Home Loan or Investment Loan.

Discharge & Settlement

Once your new loan is approved, we'll work with your new lender to let your old lender know you’d like to pay out your existing loan.

Book Appointment

Hear What Our Clients Say

Here’s what some of our satisfied clients have to say about their experience with us.

George Owens

The team at Prosper made my home-buying process so much easier. They listened to my needs and found the perfect loan for my situation. Their support and guidance were invaluable every step of the way.

Max Tanner

I was overwhelmed with refinancing options, but Prosper expert took the time to explain everything clearly. They helped me secure a better rate, saving me thousands. I couldn't be happier with their service.

Shraddha Adhikari

Got right consultation and advice regarding our loan processing for business. The other best part is that it was swift and easy, got everything settled within couple days. Great service…would highly recommend.

Romina Shrestha

My husband & I were dealing directly with Bala ji for our Commercial loan. Not only did he make the process seamless & easy to understand, he also help us feel comfortable with any next steps. I would highly recommend Bala ji for anyone who is looking for home loan. Thank you once again for your amazing service.

Innovation

Fresh, creative solutions.

Integrity

Honesty and transparency.

Excellence

Top-notch services.

COMPANY

ABOUT US

LEGAL

Prosper Loan Experts Pty Ltd ABN: 93 676 188 211. Credit Representative #527574 is authorised under Australian Credit License #384704.

Disclaimer: Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information contained in this website is of a general nature and does not take into account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply. The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Prosper Loan Experts Pty Ltd T/A Prosper Home Loans.