Refinance Your Home Loan In Joondalup & Perth
If your home loan is more than two years old, there’s a good chance you’re paying more than you need to. We help Joondalup and Perth homeowners refinance to a better rate, lower repayments, or access equity — without the hassle of dealing with banks yourself.
Making Your Mortgage Switch Simple
Most Perth homeowners refinance for one of three reasons — their rate has crept up and they want a better deal, their financial situation has changed and they need lower repayments, or they want to unlock equity in their property to buy, renovate, or invest. Whatever your reason, the process is the same: we do a proper health check on your current loan, find out what’s actually available to you, and help you make the switch without any unnecessary drama.
A lot of people don’t refinance because they assume it’s complicated, expensive, or not worth the effort. In most cases, it’s none of those things. We handle all the paperwork, deal with both lenders, and guide you through every step so you’re not stuck on hold waiting for a bank to tell you what your own loan is worth.
We’re based in Joondalup and we compare refinancing options across 40+ lenders — including rates and cashback offers that aren’t available direct. We’ll tell you upfront what refinancing will actually save you, including any exit or switching costs, so there are no surprises before you decide to make the move.
Our Refinancing Process For Perth Homeowners
Choose from over 40 Lenders, all in one place
Why Perth Borrowers Choose Encharge Capital
We’re based in Joondalup and we know the Perth lending market. We monitor what’s happening with rates across our full lender panel constantly — which means when you come to us, you’re getting a real picture of what’s available right now, not a guess based on what was competitive six months ago.
We understand that refinancing feels like effort. That’s why we do as much of it as we can for you. From the initial review right through to settlement, we stay involved and keep you informed. You’re not handed off to an admin team or left wondering what’s happening next.
Most of our refinancing clients save a meaningful amount on their monthly repayments or unlock equity they didn’t know they could access. We’ll tell you exactly what you’re likely to save — including any costs — before you commit to anything.
Access To Better Rates
We compare rates across 40+ lenders simultaneously — including exclusive offers and cashback deals not available if you walk into a branch. You'll know exactly what's available before you make any decision.
Equity Release Options
If your Joondalup or Perth property has gone up in value, you may be able to access that equity for renovations, an investment property deposit, or other purposes — without selling. We'll show you what's possible.
Debt Consolidation
Rolling car loans, personal loans, or credit card debt into your mortgage can significantly reduce your monthly outgoings. We'll run the numbers and show you whether it makes sense for your situation.
Fast & Seamless Switching
We manage the whole process — new lender application, current lender discharge, and settlement. We deal with both sides so you don't have to, and we push for the fastest possible turnaround.
I honestly couldn’t recommend Ross
and everyone at Encharge Capital highly enough. From start to finish, they made what could have been a stressful process feel smooth, clear, and completely manageable as a first time buyer. Their knowledge of the finance and mortgage market is incredible, they explained every detail in plain language and made sure I fully understood all my options before making any decisions.
Communication was excellent they were always quick to respond, always proactive, and genuinely caring about getting me the best possible deal. They went above and beyond to secure fantastic terms that I never would have found on my own.
What really stood out was how personal the service felt. It never felt transactional, they always had my best interests at heart. I felt supported, informed, and confident every step of the way.
If you’re looking for a finance broker who’s professional, trustworthy, and genuinely dedicated to helping you reach your goals, look no further than Ross and the team at Encharge Capital. A 10/10 experience from start to finish!
Would recommend 100%
Special mention to Ross, who went above and beyond to help with the process!