Pay Off your mortgage faster with a Refinance Home Loan Solution.

At XA Finance, we specialise in helping Australian businesses secure the right commercial loans to grow, invest, or manage cash flow. As expert finance and mortgage brokers, we take the stress out of the loan process by providing tailored advice, expert guidance, and fast results—so you can focus on what matters: running your business.
 

Why Refinance?

Lenders typically front load the interest charged over a 30-year residential loan. Typically, after coming off a fixed rate you will default to a higher than advertised market interest rate. It is at this point that you should contact your bank to ask for a rate review. Threatening to refinance keeps the lender honest and most of the time a competitor has a better lower cost option for you over the same period after the honeymoon phase wears off. Refinancing is not just about obtaining a better rate - it's also about getting the right lending structure and solution to meet your goals such as a better product that has more features or drawing down equity for personal or investment use. 
 

Our Refinance Process — Simplified

At XA Finance, we believe a refinance shouldn’t be complicated. Our streamlined approach ensures you get the right solution with minimal hassle.
 

1. Free Consultation

We begin with a no-obligation consultation to understand your business goals, financial position, and funding requirements.

2. Tailored Loan Strategy

Based on your unique needs, we assess a range of lenders—major banks, second-tier lenders, and private financiers—to find the most suitable commercial loan options.

3. Application Management

Our experienced brokers handle the entire application process for you, preparing and submitting documentation to ensure a smooth and fast approval.

4. Approval & Settlement

We liaise directly with lenders to speed up approval and guide you through to settlement. You’ll be kept informed every step of the way.

5. Post-Settlement Support

Our service doesn’t stop once the loan is approved. We continue to support your business with refinancing options, restructuring advice, and financial reviews.
 

Why Choose XA Finance?

✅ Access to 40+ Lenders – We work with a wide panel of commercial lenders to give you more choice and better rates.
✅ Expert Guidance – Our team has extensive experience in residential refinance solutions and understand lender criteria inside out.
✅ Save Time & Money – We do the heavy lifting so you don’t have to spend hours dealing with banks.
✅ Bespoke Solutions – Everyone is different. We customise your loan strategy to suit your goals and cash flow.
✅ Transparent Advice – We’re here to simplify complex finance jargon and give you honest, clear credit assistance.

 

Ready to Secure the Right Home Loan?

Let XA Finance help you take the next step in your financial journey with confidence. Whether you're wanting to improve cashflow, pay off your mortgage faster, or have access to a better banking product our expert team will find the right finance solution for you.
 

📞 Call us today to speak with a lending specialist
📩 Or enquire online for a free, no-obligation assessment

​