Rates change, and so does what lenders will offer existing customers versus new ones. We check the market against your current loan to see if a switch is worth it.
Meet Mel and the Zest team, who've helped hundreds of clients refinance into a loan that works harder for them.
Refinancing is not just about the headline rate. Break costs, cashback offers and how a new lender values your property can all change the numbers, and what lenders offer existing customers is often different to what they offer new ones. A switch that looks good on paper is not always the one that leaves you ahead.
We check the market against your current loan and compare 60+ lenders to see whether a switch is worth it. We are local brokers based in Springfield, helping homeowners across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe refinancing should be just as simple as finding a better rate. Here are a few recent Zest Google reviews we think you'll love!
A quick review with Mel & the team shows you exactly what you are paying now versus what is available elsewhere, plus the real cost of switching. No cost, no obligation.
Refinancing is not just about the headline rate. Break costs, cashback offers and how a new lender values your property can all change the numbers. We compare across 60+ lenders to find where you actually come out ahead.
Once refinancing makes sense, we coordinate the discharge from your current lender and the new application together, so the switch happens smoothly and your repayments do not miss a beat.
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Refinancing suits home owners who haven't reviewed their loan in a while, are coming off a fixed rate, want to access equity, or want to combine debts. Even a small rate difference can add up over the life of a loan, and some borrowers also want better features such as an offset account. If you have several debts, see our debt consolidation page.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Many Springfield and Ipswich home owners bought in newer estates and have seen their circumstances change since settlement. We regularly help locals compare their current loan against the market, including clients affected by bank changes who want to know their options before they roll onto a new rate.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
It depends on your current rate, fees and how long you plan to keep the loan. We compare the savings against any costs to switch, such as discharge fees or fixed rate break costs, so you can see if it's worth it.
Yes. If your property has grown in value or you've paid down the loan, you may be able to borrow against that equity for renovations, investing or other goals, subject to lender approval.
A new application creates a credit enquiry. We help you avoid applying with multiple lenders at once by comparing options first.
Many refinances settle within a few weeks once the application is approved, but timing depends on the lenders involved.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
