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Looking to
refinance your loan?

With our expertise we will help you to find the right refinance solution.


Wanting a better deal?

Wanting a better deal? Are you paying too much? Have you asked yourself that question lately?

Is the home loan you took out 3, 4, 5 or more years ago still what’s best for you and helping you to meet the goal of owner you home sooner?

What about personal loans or the dreaded credit cards, do you still owe the same amount today that you owed when you purchased the car, lounge or took that holiday?

Mortgage Capital Australia provides a quick, easy and obligation free service that allows you to compare your current loan against the hundreds available from our panel of lenders plus help you analyse what savings could be made by consolidating all of your debts into one loan.

Imagine saving hundreds of dollars per month on your home loan or reducing your repayments each month. Would that make things easier?

Why MCA?

Why it pays to work with us

Take advantage of lower interest rates

You may be paying too much interest on your home mortgage or investment property loan. Refinancing can help you lower your monthly repayments and/or reduce the term of your loan.

Change the term of your loan

If you currently have a 30-year loan, you may be able to pay off the loan sooner and save thousands of dollars in interest by refinancing to a 10, 15 or 20-year loan. Also, if the refinancing rate is lower, and you make the same monthly repayment, the equity in your home will build up faster, because more of your repayment will be going towards the principal.

Obtain equity in your home

You may need cash for a major purchase, home improvements, a dream vacation or sending your kids to college. Whatever the reason, by refinancing for an amount higher than your current principal balance, you can obtain the cash from the equity built up in your home.

Consolidate debts

Home Loan interest rates are generally lower than the interest rates charged on your credit cards or personal loans. By consolidating all your debts with your home mortgage, you could save thousands of dollars in interest, fees and charges, while reducing the amount you pay each month in repayments.

Change the type of mortgage

You may want to change from variable rate mortgage to a fixed rate mortgage, which provides the security of knowing what the repayments will be for the life of the loan. But if you don’t plan on keeping your house for at least the fixed period, you may want to consider a variable rate mortgage.

Facts & Figures

Proven experience and results in mortgage broking

We have been running since 2017, but the experience of our team in the lending and banking space goes back almost 50 years!  Ultimately, it’s our fast, boutique approach, and close contact with over 40 different lenders across the country that proves our mortgage broking abilities.

Use our
switching calculator

How much will I pay to switch mortgage?


happier futures
with our clients

We strongly believe that loan products should be easy to understand, easy to access, and allow you peace of mind.

Talk to a Mortgage Capital Australia expert today