Reviewing your loan could free up cash every month. We compare 40+ lenders and 300+ products to find a sharper deal — then handle the switch for you.
If you haven't reviewed your home loan in the last year or two, you could be paying more than you need to. Refinancing may suit you if any of these sound familiar.
Your current rate may no longer be competitive. We compare the market to find a structure that could reduce your monthly repayments.
Tap into the equity you've built to renovate, invest, or fund a major goal — structured the right way from the start.
Roll higher-interest debts into your home loan to simplify repayments and potentially reduce overall interest costs.
Offset accounts, redraw, and flexible repayments — we match you to a loan with the features that actually suit your life.
Switching lenders sounds daunting, but we manage the heavy lifting from your first call to settlement.
We assess your current loan, rate, and goals to see whether refinancing genuinely makes sense for you.
We research 40+ lenders and 300+ products to identify options that fit your situation and objectives.
You receive a straightforward comparison — no jargon — so you can make a confident, informed decision.
We prepare your application, liaise with both lenders, and manage the paperwork through to settlement.
Refinancing is only worthwhile if the numbers stack up after costs. We weigh exit fees, application costs and the new structure against the potential savings, so you switch only when it's genuinely in your interest.
Founded by Kevin Oliveira, who brings more than 10 years of experience across Australian finance and banking, OLEND puts your interests first — finding the right loan for you, not the easiest one for us. We help clients right across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta.
Answers to the questions Sydney clients ask us most about refinancing a home loan.
Costs can include discharge fees from your current lender, application or settlement fees from the new lender, and government charges. We factor all of these into our recommendation so you can see whether the switch is worthwhile before you commit. In many cases lenders also offer incentives that help offset these costs.
A refinance application involves a credit enquiry, which can have a small, temporary effect. To minimise this, we help you target lenders likely to suit your profile rather than submitting multiple applications at once.
Timeframes vary by lender and the complexity of your situation, but many refinances settle within a few weeks of application. We keep you updated at each stage and chase the lenders so you don't have to.
Often, yes. If your property has grown in value or your loan balance has reduced, you may be able to access equity for renovations, investing or other goals — subject to lender criteria and responsible lending checks.
Our initial assessment is free with no obligation. As a mortgage broker we're generally paid by the lender once your loan settles, and we'll always be transparent about how we're remunerated.
We help clients right across Sydney, including the North Shore, Hills District, Inner West, Eastern Suburbs, Northern Beaches and Parramatta, and work with clients across NSW.
Real reviews from OLEND's Google listing. Rated 5.0 from 21 Google reviews.
"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. Thank you Kevin!"
"From start to finish, Kevin demonstrated professionalism, expertise, and a genuine commitment to helping us secure the best mortgage for our needs. He worked tirelessly to negotiate on our behalf, resulting in a mortgage package that exceeded our expectations. Thank you for making the home refinancing process a positive and rewarding experience!"
"Highly recommend Kevin for your financial needs. He was easily able to connect us with the right lender that provided the exact products we were after. His knowledge was extensive and happy to answer as many questions as we needed. The whole experience really made applying for the right loan easy and stress free."
Curious whether refinancing could save you money? Share a few details and Kevin will be in touch — usually within 24 hours. There's no cost and no obligation.
