Refinance Your Loan

Have More Cash in Your Back Pocket Each Month!

Get me a Better Deal!

Getting a quote from us is cost and obligation free.

* Subject to suitability, affordability and verification

Refinance Your Loan

More Cash in Your Back Pocket with Responsive Lending
Get me a Better Deal!

Refinancing your current loan could mean you have more cash to do whatever you want with!


Have more cash in your back pocket each month.


Getting a quote with us is cost and obligation free.


* Subject to verification, affordability & suitability

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

All We Need Is Your OK

Our Refinancing service is completely obligation free. And we don't charge you anything unless you are approved for a new lower rate loan*!


Once we have your OK, all you have to do is sit back and wait for a call back.


We then go away and assess your options for a better rate than you currently have.


Simply click below to get started with a few details and we will begin the search for a better deal!

Get me a Better Deal!

What is a Refinance?

Your financial situation may drastically improve if you refinance your loan. It's a great chance to take charge of your money and possibly lower your monthly repayments. We at Responsive Lending provide a free refinancing solution that can lead to financial freedom in addition to helping you save money. We'll look at the advantages of refinancing below. Let's dive in and learn how refinancing might benefit you greatly!

Lower Interest Rates

Lower Interest Rates

The possibility of obtaining a lower interest rate* is one of the biggest benefits. Interest rates might fluctuate over time, and new choices may become available. Refinancing gives you the chance to swap out your current loan for a new one that has a better interest rate. A lower interest rate gives you more money in your pocket each month, which you may use to finance other financial objectives or just have a little more wiggle space in your budget.

Reduce Monthly Repayments

Reduce Monthly Repayments

You can change your loan's conditions and lower your monthly repayments by refinancing. You can drastically reduce the amount you pay each month* by acquiring a lower interest rate or extending the loan term. With less financial pressure brought on by this improved affordability, you'll have more freedom to pursue your goals and maintain your financial security.


Enhanced Financial Management

Enhanced Financial Management

In addition to lowering your monthly payments, refinancing gives you the opportunity to step back a re-evaluate your financial position. It gives you the chance to review your financial objectives, make a budget, and perhaps free up money for investments or savings. Refinancing can spur good change by motivating you to form better money management practices and build a more secure financial future.


Expert Guidance & Support

Expert Guidance & Support

When you choose Responsive Lending for your refinancing needs, you have access to a team of knowledgeable loan specialists. Our professionals are committed to assisting you in navigating the process with ease. Our helpful staff will evaluate your particular situation, look through your options, and direct you towards the best refinancing plan available. We carry out all the research to make sure your experience with us is flawless.

See What Our Customers Think

3 Steps to Refinancing

Step 1!
Step 1

Click the button below to answer a few short questions to get started



Step 2!
Step 2

Our team will reach out to you to discuss your options.



Step 3!
Step 3

Once you're pre-approved, sit back and wait for your documents to reach your email. Get them signed and back to us and, voila - you're on your way to extra cash in your pocket!

Get me a Better Deal!

3 Steps to Refinancing

Step 1

Click the button below to answer a few short questions to get started.

Step 2

Our team will reach out to you to discuss your options.

Step 3

Once you're pre-approved, sit back and wait for your documents to reach your email. Get them signed and back to us and, voila - you're on your way to extra cash in your pocket!

Get me a Better Deal!

Frequently Asked Questions

How much can l save by refinancing my loan?

Whilst we can't give you an exact figure, what we can do is tell you it could be worth the call! Once we know what your refinancing preference is, we can provide a more catered response. Are you looking for reduced payments? Are you looking to sharpen that rate? Or, are you looking to refinance multiple loans together to have one easy repayment?


Think of this as a Financial Health Check.

What are the costs associated with refinancing?

There may be a lender fee and brokerage fee associated with refinancing your loan, however this is where we come to the front!


With access to over 40 different lenders, we will be able to provide an obligation and cost free quote to show exactly how much you can save on repayments or interest.


The lender and brokerage fees will be inclusive of the quoted repayments and savings, and come at no out of pocket expense to yourself, unless you choose to pay this upfront.

What documents and information do l need to provide?

So that we can complete an assessment, we will need very basic information. These include:


  • Privacy Consent
  • Income Verification
  • Verbal quote on current repayments and interest rates


From there we look into your options. Further documents may be required once a quote is accepted and these usually include:

  • Payout quote from your current lender/s
  • Drivers licence for identification purposes
How long before l know if l'm eligible for refinancing?

We can provide an eligibility assessment within 24 hours, that means, that in most cases, you will know if your profile is eligible to refinance the same day!


For full assessments and settlements (meaning your new loan now starts and your old loan is paid out), this is subject to a lenders turn around time and how long it takes to receive the relevant documents.


We usually aim to have a refinance completed within 48-72 hours.