Your Home Loan Probably Isn't The Best One You Can Get.
Most people don't look again after settlement. Rates move, your equity grows, and lenders quietly price new customers better than existing ones. We'll show you exactly what you'd save by switching, and what it costs to do it.
See your actual five-year number, not a headline rate: Rate, break and setup fees, and remaining term modelled together, so you know whether switching leaves you thousands ahead or barely even.
60+ lenders, including pricing that isn't advertised: We hold your current lender to account too. Sometimes the best outcome is a repricing with the bank you're already with, and we'll tell you that.
Structured around what's next, not just this year: The right splits, offset positioning and equity release so your refinance supports the next move (renovation, investment, cashflow) instead of resetting you to 30 years.
See What Your Refinance Is Actually Worth
Trusted by Australian Homeowners
Proven Results That Speak for Themselves
In loans settled across Australia
5-Star Google reviews
Properties purchased or refinanced
Lenders accessed to find the right fit for your situation
Our Partners
Accredited to Compare 60+ Leading Lenders
The Process
Getting Your Home Loan Refinance Sorted Is This Simple
Step 03
One Clean Switch, Handled End To End
Application, valuation, discharge from your current lender, settlement, we run all of it. You end up on a competitive rate with your loan structured around where you're heading, not reset to another 30 years by default.
Your Refinance Specialist
Meet Candice Joseph
Most people refinance on the one number their bank puts in front of them. I spent 5+ years inside Private Banking before moving to the broker side, so I know how lenders actually build and price a refinance: where the discretionary pricing sits, which lender rewards your equity position, and how a slightly lower rate over a reset 30-year term can quietly cost you more than staying put. As Director of Entourage Byron Bay I've helped hundreds of homeowners across Australia get onto structures their own bank never offered them. My background is accounting and financial modelling, so I don't just find you a lower rate. I model the whole switch — rate, fees, remaining term, total interest, and the equity you're sitting on — and I'll tell you plainly when the numbers say don't move.
12 Years in Finance, 5+ in Private Banking: I've sat on both sides of the lending table, which means I know what lenders are looking for and exactly how to position your application to get the best result.
Part of a Team That Has Settled $2 Billion+ in Loans: Entourage has helped thousands of clients across Australia access finance that their banks couldn't, or wouldn't, deliver.
I Model The Switch Before You Commit: You'll see your five-year comparison - what you save, what it costs to move, and what you actually keep, before a single lender sees your name.
5 Star Rated
From 600+ Australian Homeowners
Reviews
What Our Clients Say
Investors who came to us with complex situations, and left with a clear path forward.
They have been able to achieve what even the banks themselves can't deliver in terms of loans, rates and financial structure. They have made some insights and recommendations that have absolutely changed our finances for the better and we wouldn't be in the place we are now without them.
JG
James Garland
Verified Google Review
I have a complex company and trust structure and they unwrapped all the options from all their lenders to make a plan and go about getting it done.
DB
David Byrne
Verified Google Review
The deals Entourage have brokered for me have stood the test of time and I currently enjoy very attractive terms in the volatile and uncertain market.
SC
Shaun Chalmers
Verified Google Review
I have used them twice and would never finance directly through a bank again. Candice, Kaylah and their team were always helpful and patient. Well worth a call.
AK
Andrew King
Verified Google Review
From our initial introduction, Candice and her team demonstrated exceptional professionalism and expertise. They guided us through our borrowing capacity and effectively managed a few challenges that arose along the way. I never imagined a loan process could be stress-free, but with Entourage, it truly was.
DB
David Ball
Verified Google Review
Candice was extremely knowledgeable and worked hard, including out of hours, to obtain a loan for a complex self-managed superfund purchase on a strict timeline. We would certainly recommend her.
PK
Peter Krotiris
Verified Google Review
There were a number of challenges and changes throughout the process and they handled it with expert professionalism and with my goals in mind.
CW
Chris Waxman
Verified Google Review
Candice Joseph and the team were brilliant in achieving a great result for our home loan in such a short period of time. I found Candice very knowledgeable and efficient and always available, which made the process simple and easy.
AG
A25 Group
Verified Google Review
Candice was a delight to work with throughout the whole process of applying for and securing a home loan. The process was seamless, with communication at every step, even over the weekend. I couldn't recommend the team at Entourage highly enough.
SS
Sarah Smaith
Verified Google Review
FAQ
Frequently Asked Questions
How do I know if refinancing is actually worth it for me?
That's the whole point of the comparison. We model your current loan against the best options available to you across rate, break and setup fees, remaining term and total interest, then show you the five-year number. If the maths says stay where you are, we'll say so. We'd rather tell you the truth now than move you for the sake of it.
How much could I save by refinancing?
It depends on your current rate, balance and remaining term, and anyone quoting a figure before seeing those is guessing. Plenty of homeowners who haven't reviewed their loan in a few years are paying well above what's available to them today. We'll show you your specific number, including the cost of switching, so you're comparing like for like.
Will refinancing hurt my credit score?
Nothing touches your credit file during the comparison stage. We assess your position and present your options first. A credit enquiry is only made once you've seen the numbers and told us you want to proceed with a specific lender.
What does it cost to refinance?
There are usually discharge fees from your current lender and application or settlement costs with the new one, and fixed loans can carry break costs. Those are all included in the modelling up front rather than surfacing later. Our service is paid by the lender on settlement, so there's no fee to you for the comparison or the advice.
How long does a refinance take?
Most refinances settle in roughly three to six weeks from application, depending on the lender's turnaround and how quickly your current lender processes the discharge. We manage both sides and keep you updated so nothing stalls waiting on paperwork.
