Get Your Home Loan
Working For You

At QPF, we understand that life changes and so should your home loan.

Whether it’s been a few years since you locked in your mortgage or you’re simply curious if you could be getting a better deal, refinancing might be the solution that puts more money back in your pocket.

Lower Interest Rates

Even a slight reduction in your interest rate can save you thousands over the life of your loan.

Better Features

Access to offset accounts, redraw facilities, or the ability to make extra repayments can make a big difference.

Debt Consolidation

Roll high-interest debts like credit cards or personal loans into your mortgage for a simpler repayment strategy.

Unlock Equity

Tap into the equity in your home to renovate, invest, or fund life’s bigger goals.

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Sandra Paul profile picture
Sandra Paul
15 days ago
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We have had an excellent experience working with Michelle in refinancing our home loan. Very friendly, professional and efficient in getting us the results we were looking for. Thank you.
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Tom Phillips profile picture
Tom Phillips
19 days ago
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Artur and Stephen were fantastic to communicate with and went above and beyond to help me achieve what I wanted out of refinancing. Incredible communication from both of them and great outcome! Full marks 10/10
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Tahnee Gul profile picture
Tahnee Gul
51 days ago
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I had the pleasure of working with Paulette to secure refinancing of my passion project after my separation. Whilst it wasn't always straightforward, Paulette consistently maintained fantastic communication with me throughout the process ensuring any stressors were mitigated with her knowledge and drive to deliver a positive outcome. Thank you again Paulette for all your efforts and assistance, I hope to work with you again in the future!
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Suze McEnallay profile picture
Suze McEnallay
154 days ago
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Paulette from QPF finance has made refinancing an absolute breeze. To have someone to call on at any time and be so willing and able to answer any question we have has made the whole process simple. We Highly recommend Paulette and QPF finance to anyone looking to purchase or refinance.
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Hayley Kronk profile picture
Hayley Kronk
166 days ago
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Highly recommend! My husband & I have worked with Vanessa over the past 5 years with refinancing our home loan. Vanessa is patient, caring & works hard at finding the best options for our family. Will definitely be working with her again in the future.
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Em Lyn profile picture
Em Lyn
193 days ago
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Vanessa Stenhouse and her team did an amazing job helping me refinance my home. They made what could have been a complicated and stressful process feel quick and seamless. Their communication, professionalism, and attention to detail were outstanding from start to finish. I truly cannot recommend QPF and Vanessa highly enough!
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Natalie Trestrail profile picture
Natalie Trestrail
207 days ago
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We recently finalised our commercial loans through Vanessa and also refinanced our home loan at the same time. She was incredibly professional and thorough throughout the entire process. Vanessa clearly explained every step and kept in regular contact to update us on progress and confirm details along the way. She was a ray of sunshine — very personable and an absolute pleasure to deal with. We couldn’t be happier with our experience with QFP and would highly recommend Vanessa and the team.
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MrWinger76 profile picture
MrWinger76
301 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Thank you QPF for facilitating my refinance for my property. In particular Vanessa Stenhouse who has worked hard through out the process, long and drawn out as it was. The service was excellent and communication was great. Could not have done it with your help and support. Mark W
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Lucy Lucy profile picture
Lucy Lucy
387 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very pleased with the service. Paulette guided us through the refinancing of our home loan to acquire a lower interest rate. Would definitely recommend. She made the process so simple for us. Thanks Paulette!
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Scott Hyde profile picture
Scott Hyde
397 days ago
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Paulette from QPF has been amzing with helping us refinance our homeloan. This wasn't easy as I am self employed and our current bank was making things difficult. Nothing was an issue for Paulette and her team from first apporocahing her to finally settling.I would recommend and will be using again in the future.
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Bec Simpson profile picture
Bec Simpson
427 days ago
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Stephen Boyce was excellent. We just refinanced our home and the whole process was made so much easier by Stephen & the QPF team. Everything went smoothly and he made the whole process simple and seamless. I can't recommend his services more highly.
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Rebecca Rose profile picture
Rebecca Rose
434 days ago
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Vanessa from QPF has been our mortgage broker for many years. We wouldn’t go anywhere else! She takes all the stress out of purchasing and refinancing and has helped us structure our loans in a way that helps us pay it off faster. Vanessa genuinely cares, and has gone above and beyond time and time again to help us achieve our goals.
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Ashley Simpson profile picture
Ashley Simpson
440 days ago
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Stephen was unreal in helping me refinance my home loan, would definitely recommend!!
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Annabelle Brkic profile picture
Annabelle Brkic
489 days ago
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We recently refinanced our loan with Paulette - our favourite person to deal with in any financial situation. The process was easy, efficient and professional with a twist of fun😅. We would never consider doing anything with our home loans without her. Many thanks again!
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JD M86 profile picture
JD M86
489 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We recently refinanced our home loan using Vanessa and her team at QPF Toowoomba. QPF does all the hard work for you and is always available to answer questions and assist you along the way. QPF communications through the whole process was amazing always staying in contact via email, sms and phone calls. This was the 3rd time we had engaged with Vanessa and her team. We were lucky to have had a family friend recommend QPF and Vanessa to us a little over 4 years ago, when we were applying for our first ever home loan. Vanessa and her team are dedicated to finding you the best deal and making sure you have all the right information to make the best decision, and then help facilitate the whole process. They really do take out all the stress out of finding the best solution. I have and will continue to recommend QPF Toowoomba to anyone that asks. Thankyou again Vanessa and QPF!
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Shaun Markotany profile picture
Shaun Markotany
489 days ago
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We recently used QPF to refinance our mortgage and our broker Jack was simply the best! Nothing was a bother for him and he certainly went above and beyond to get us the best deal! If your looking for finance I highly recommend Jack and the QPF team.
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Katie Cheshire profile picture
Katie Cheshire
516 days ago
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Vanessa Stenhouse has just helped me and my husband refinance our home and the process was the most easiest transition, she helped us and supported with everything. Could not recommend her more! 😊
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Erin profile picture
Erin
525 days ago
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This is the second time that we’ve used Vanessa to assist with obtaining a home loan and then the refinancing of that loan. Each time Vanessa and her team have made the process simple, easy and convenient. Nothing was too much trouble and she was always on hand to answer any questions we had. We would recommend Vanessa to anyone looking for assistance in the crazy world of loan applications - she really is amazing at her job!!!
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Peter De Bortoli profile picture
Peter De Bortoli
664 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We refinanced our mortgage in order to build a home on our block. Michele made this process a breeze by providing us with options and easy-to-digest information. For someone who can find these decisions overwhelming I strongly feel working with QPF can help u become empowered whilst making milestone financial decisions.
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Jasmin Hagan profile picture
Jasmin Hagan
832 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We recently refinanced and can highly recommend Paulette at QPF Finance. She was there from start to finish and went out of her way to source the best deal and answer any questions we had. The whole process was quick and easy!
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Chey Berther profile picture
Chey Berther
895 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Vanessa from QPF Finance for our home loan refinance was an absolute pleasure. She was incredibly knowledgeable, responsive, and attentive throughout the entire process. Vanessa effortlessly facilitated every step from beginning to end. She welcomed every question with patience and made communication a breeze, demonstrating her exceptional warmth and willingness to assist. Without a doubt, Vanessa's professionalism and kindness make her an outstanding choice for anyone seeking mortgage services. My partner and I wholeheartedly recommend reaching out to Vanessa – you'll be exceedingly pleased with the experience.
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Tim Farrow profile picture
Tim Farrow
1041 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My partner and I bought our first house and now refinancing with QPF and they've been amazing. The entire team are great and always happy to help with any questions and explain their answers is great and understandable details.
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J L profile picture
J L
1135 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Stephen was very helpful in facilitating a refinance of my home loan, excellent service
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Neon Republic - Jess Pedersen profile picture
Neon Republic - Jess Pedersen
1209 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I came to QPF for a home loan refinance which was a bit tricky due to a marriage split. Teniell & Michelle were not only knowledgable and efficient, they also made sure I was kept up to date every step of the way. They listened to my situation and made me feel very secure in choosing them to assist with the refinance. It was a super smooth process and I couldn't be happier! I will be recommending QPF to all of my friends and family for any finance needs in future. Thank you!
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Chelsi profile picture
Chelsi
1258 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had the best experience with Michelle assisting with refinancing my home loan. She was efficient, very knowledgeable & great communication!

REPAYMENT CALCULATOR

Estimate Your Repayments

What you see is a guide.

What we quote could be even sharper.

Get in touch with a broker to get a quote tailored to your needs — no credit checks, no obligations, and no time-wasting.

Loan Amount

Interest Rate

Repayment Frequency

Loan Term

Your Estimated
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per week

Interest Paid: $0.00
Total Paid: $0.00

Disclaimer: This calculator provides an estimate only and does not constitute a loan offer. Actual repayment amounts may vary depending on your individual circumstances and lender terms. Contact a QPF Finance Broker for a detailed quote.

Get in touch

Ready to get started? Reach out to one of our experienced mortgage brokers to learn how refinancing can work for you.

How It Works

Home Loan
Health Check

We’ll assess your current loan, financial goals, and lifestyle to see if there’s a better option available.

Compare Lenders
& Products

We research and recommend suitable options from our panel of lenders.

Application
& Approval

Once you’re happy with a product, we handle the paperwork and guide you through the approval process.

Settlement

Your new lender pays out the old loan, and your refinance is complete!

The QPF Difference

Refinancing isn’t just about switching loans — it’s about making sure your home loan is still working for you. Since 1977, QPF has been helping Australians review their mortgages, cut costs, and unlock equity to achieve new goals.

As a family-owned business, we understand that life changes, and your finance should adapt with it. That’s why we go beyond simply comparing rates. We take the time to understand your situation, explain your options, and structure a refinancing solution that delivers real value.

You’ll have a dedicated broker in your corner, guiding you through each stage of the journey and helping you make informed decisions with confidence.

Family Owned & Operated

We treat your financial goals with the same care as our own.

Let Us Do the Hard Work

There’s no need for you to get bogged down with paperwork or complicated processes. We manage everything from loan applications to settlement, making sure you stay informed and stress-free.

Access to 40+ Lenders

We compare refinancing options across a wide panel to secure the right deal.

Support Long After Settlement

Our service doesn’t end when you sign your loan papers. We’re always available to help with refinancing, future home purchases, and anything else you need as your homeownership journey continues.

Everything Finance, All in One Place

Property, equipment, vehicles, insurance, and more — we’ve got you covered.

Is It Time For A Home Loan Health Check?

If you haven’t reviewed your mortgage in the last 12–24 months, there’s a strong chance you could be missing out on savings or better features. With interest rates and lender options constantly changing, your current loan may no longer be the best fit for your needs.

A quick Home Loan Health Check with QPF can uncover smarter solutions—whether that’s lowering repayments, accessing equity, or finding a more flexible structure. It’s fast, free, and tailored to your situation.

Book your FREE Home Loan Health Check with a QPF Mortgage Broker today.

HOME LOAN REFINANCING

Frequently Asked Questions

What does it mean to refinance a home loan?

How often can I refinance my mortgage?

Can refinancing save me money?

Does refinancing reset my loan term?

Can I refinance if my circumstances have changed?

How long does the refinance process take?

Can I refinance a fixed-rate home loan?

How do I know if refinancing is right for me?

When should I consider refinancing my home loan?

What costs are involved in refinancing a home loan?

Can I refinance to access equity in my property?

Can I refinance if my property value has increased?

Is it possible to refinance with the same lender?

Will refinancing affect my credit score?

Should I refinance through a mortgage broker?

How much does it cost to use a mortgage broker?

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