Are you too loyal to your bank? Banks only offer the best interest rates to new customers. Chances are, If you’ve been with the same bank for a number of years, you’re paying a loyalty tax. On a $500,000 mortgage of 30 years, you could save more than $30,000 on interest over the life of the loan with a tweak to your interest rate of just 0.2%
Refinance Home Loan in Strathfield
Homeowners in Strathfield and North Strathfield often don’t realise they’re paying a “loyalty tax”, which is the extra 0.5% to 1% that banks add to existing customers’ rates while advertising lower rates to attract new borrowers. If your home loan hasn’t been reviewed in the past two years, you could be overpaying by thousands annually.
Whether your property is near The Boulevard, around Strathfield Plaza, or close to Strathfield Station, MXJ Finance helps local homeowners secure better rates and smarter loan structures. Our mortgage broker service brings 40+ lender relationships, over 10 years of experience, and 125+ five-star reviews to help you save money and pay off your mortgage faster.
What’s included in your Strathfield refinance home loan review:
- Free refinance review for Strathfield homeowners
- Compare your current rate against 40+ lenders
- Save $2,000-$8,000 annually on average
- Pay off your Strathfield mortgage 7-10 years faster
- Unlock equity for renovations or investment
- No obligation assessment
Submit an enquiry to discover your potential savings today.
Why Strathfield Homeowners Choose to Refinance Home Loan Rates
Escape the Loyalty Tax
Your bank counts on you not shopping around. That loyalty tax means Strathfield homeowners with an $800,000 loan could be paying $4,000 to $8,000 more each year than necessary. Our refinance home loan service helps compare rates in Strathfield, along with terms and features against 40+ lenders, identifying better options that redirect thousands back into your pocket.
Tap Into Property Equity
Strathfield’s established character and proximity to quality schools have driven consistent property growth, particularly around Churchill Avenue and near Strathfield Park. If you’ve owned your home for several years, refinancing allows you to access the built-up equity for renovations, purchasing investment properties, or consolidating high-interest debts.
Improve Loan Features & Service
Tired of poor customer service or outdated loan features? A North Strathfield refinance home loan gives you access to lenders offering offset accounts, redraw facilities, and flexible repayment options. We also structure loans strategically, helping you pay off your mortgage years earlier through optimised repayment plans.
Access Cash Back Incentives
Many lenders offer cash back when you refinance – typically $2,000 to $4,000, depending on your loan amount. These incentives can cover switching costs or reduce your loan balance, accelerating your path to mortgage freedom.
Refinance Home Loans in Strathfield: How It Works
- Free Review: We assess your current loan, calculate exact savings potential, and determine your borrowing capacity – obligation-free.
- Comparison Process: We compare refinance home loan rates Strathfield lenders offer, reviewing fees and features across our 40+ lender panel. You receive 2-3 tailored options that match your financial goals.
- Settlement: We manage all paperwork, coordinate with your existing lender, and keep you informed at every stage. Most refinances are completed within 4 weeks.
Refinancing Services in Strathfield and Surrounding Areas
Based on the North Shore, we serve Strathfield, North Strathfield, Burwood, Homebush, and throughout Sydney. Whether you prefer meeting at a café near Strathfield Square, phone consultations, or video calls, we adapt to your schedule.
Our expertise extends to investment loans and SMSF investment loan refinancing for property investors seeking tax-effective structures, as well as residential refinancing.
The Edge MXJ Finance Offers
- Inner West Understanding: We know Strathfield properties, plus our experience with local valuations and lender preferences means smoother approvals and realistic expectations.
- Honest Savings Analysis: We show you the real numbers, including current costs versus new costs, switching fees versus annual savings, and break-even timelines.
- Multi-Lender Advantage: Why limit yourself to one bank’s products? Our 40+ lender panel includes options specifically suited to Strathfield’s property types and price points that standard banks might overlook.
- Continuous Support: Refinancing isn’t our endgame. We provide periodic reviews to catch rate increases early and identify new savings opportunities as the market shifts and your equity grows.
Your Strategic Refinancing Partner
MXJ Finance delivers transparent Strathfield refinance home loan advice with no hidden surprises. We calculate your precise savings, outline all costs upfront, and ensure the annual benefits far exceed one-time switching expenses. Our ongoing support includes periodic loan reviews, keeping you on the most competitive rate available.
Ready to stop overpaying? Call 0416 080 336 or complete our enquiry form for your free refinance review.
Common Questions
Can I switch from a variable to a fixed rate when refinancing?
Absolutely. We'll compare refinance home loan rates in Strathfield across both fixed and variable options so you can make an informed decision that works for your budget and plans.
Will refinancing affect my credit score?
Not necessarily. Applying for a loan can trigger a credit check, but if handled properly, the impact is minimal. We'll help you understand any risks before moving forward.
Can you assist if I have multiple properties in the Strathfield area?
Yes. We often work with investors and multi-property owners in the Inner West to help manage individual and portfolio refinancing in line with broader financial goals.
Refinancing is quick and easy with a trusted mortgage adviser.
Call us now for an assessment and guidance on next steps, at no cost to you.
Looking for professional, personal finance advice, refinancing or brokering?
Contact Michael Jin today. He has over 8 years in the finance industry, he can provide you personal and friendly service in finding the right finance for you. Michael has settled over $250 million of loans, helped over hundreds of client. 2019 mortgage industry magazine MPA finalist Young Gun of the year.
Servicing all areas of; Lindfield, Willoughby, Ryde, North Sydney, St Leonards, Sydney CBD – as well as surrounding areas of Sydney NSW
