Sydney refinance broker

Refinance your Sydney home. See what you'd save in 60 seconds.

We compare 40+ lenders — including CBA, Westpac, Macquarie, and ING. No fees to you. The typical OLEND client saves around $3,200/year on an $800k loan.

See my savings Or call Kevin

40+ lenders Zero broker fees 48-hr pre-approval MFAA accredited

By the numbers

What our refinance clients save

Median results from OLEND refinance settlements in the past 12 months. Your saving depends on your current loan and lender.

$267

Median saving per month for OLEND refinance clients

$96k

Typical total saving over the remaining life of the loan

3–5 wks

Average time from first chat to settlement

Rate calculator

See your savings in 60 seconds

Enter your current loan details. We'll estimate what you could save at OLEND-brokered rates. No email required for the estimate.

Why OLEND

A local broker who does the work

Not a call centre. Not a comparison site. One accredited Sydney broker who owns your file from first call to settlement.

40+ lenders compared

CBA, Westpac, NAB, ANZ, Macquarie, ING, St George, Bankwest, and non-bank lenders including specialist SMSF and low-doc products.

Zero broker fees to you

We're paid by the lender when your loan settles. You pay the same rate as going direct — often lower, because we know which lenders are competing hardest right now.

Sydney-based, hands-on

Kevin Oliveira personally handles your file — Director of OLEND, Cert IV Finance & Mortgage Broking, MFAA member, Finsure accredited. Meet in person or by video call.

What Sydney clients say

5.0 on Google — 22 verified reviews

Real reviews from real clients. Read all 22 on Google →

★★★★★

"Kevin was wonderful to deal with. He made the home loan refinance process a breeze. He responded promptly to every question we had. Gave plenty of options. Definitely will contact him again for future loan businesses."

Kristiina K. · Home loan refinance · via Google

★★★★★

"I couldn't recommend Kevin enough. From start to finish, the process was handled with absolute professionalism, clarity, and care. He took the time to understand my situation, explained every option in plain English, and guided us through each step with confidence. He secured a great outcome and made what can be a stressful process feel straightforward."

Alex · Sydney client · via Google

★★★★★

"As I'm self-employed, I really appreciate the efforts Kevin made to help me secure a much better mortgage product. I highly recommend this service."

Steve Forster · Self-employed borrower · via Google

Get your options

See exact rates from 40+ lenders

Takes 30 seconds. We'll call within 1 business hour with your specific options — no automated emails, no call centre.

Thanks — we've got it.

Kevin will call you within 1 business hour. If it's after 6pm, expect a call first thing tomorrow.

Common questions

Refinancing, straight answers

How long does refinancing actually take?

Most OLEND refinances settle in 3–5 weeks from first chat to funds moving. Straightforward switches to another major lender are on the faster end; complex situations (multiple properties, self-employed income, cash-out) take a bit longer because underwriters need more documentation.

Are there exit fees on my current loan?

Most Australian home loans no longer charge exit fees — these were banned on new loans from 2011. You'll typically pay a discharge fee ($150–$450) plus government fees to register the new mortgage. On a fixed-rate loan, break costs can apply. We calculate the full switching cost upfront before you commit.

What documents will I need?

Photo ID, your last 2 payslips (or 2 years of tax returns if self-employed), 3 months of bank statements, current home loan statement, and a rates notice. If you're refinancing an investment property, we'll also need the current lease. We can request most of these electronically.

What if my property has gone up in value since I bought?

That's usually good news — your loan-to-value ratio drops, which can unlock better rates and remove Lenders Mortgage Insurance if you're now below 80%. We can arrange an updated bank valuation as part of the refinance process; some lenders do this for free.

What's your rate advantage over going direct to a bank?

Brokers see the wholesale rate sheets banks don't publish, and we know which lenders are running promotions each week. In the past 12 months our refinance clients have averaged 0.4–0.9% below the standard variable rate at their existing bank. On an $800k loan that's $3,200–$7,200 a year.

Do I have to change banks entirely?

No — you're free to keep your everyday banking, savings, and credit cards where they are. A home loan refinance only moves the mortgage. That said, some lenders offer better rates when you also open a linked offset account with them; we'll flag when that applies to you.