Mortgage Refinance

Are you thinking of refinancing your mortgage but are worried it will be too much hard work?

Or perhaps you aren’t sure where to start?

Well, you’ve come to the right place.

With our expert guidance and support, refinancing can be a smooth and relatively painless process, we promise.

We’ll guide you in choosing a home loan that’s suited to your circumstances, potentially saving you thousands extra in interest on your repayments. And our expertise in each individual bank and lenders’ differing assessment criteria, gives you a greater chance of having your mortgage refinance application approved.

Whether you want to take advantage of lower interest rates or tap into your equity we can help you organise your refinance. We compare hundreds of loans and rates to find the right one for you.

We’ll start by researching and negotiating a really sharp interest rate on your loan, then help you create a long-term property strategy.

Save money, grow wealth and be in the best possible position.

Let’s make those big dreams of yours a reality.

We can do this, together.

Why choose Violeta Finance to organise your mortgage refinance

  • We’re one of the most trusted and highly awarded Mortgage Brokers in the Seaford, Frankston and Mornington Peninsula region
  • Our clients love us, and they love to sing our praises
  • We’re experts in all types of mortgage refinances, including complex structures, self-employed wages, various income types, refinancing for renovations (the list goes on)
  • You’ll never be alone, we’re here to answer all your questions, we’ve got you, we promise.
  • Our strong relationships with banks and lenders mean we are confident customer advocates
  • We’re reliable, approachable, trustworthy and we’ll exhaust every avenue to help you get the best outcome possible

What you get when you choose us as your

mortgage broker


Choice: Meeting with our friendly Mortgage Broker, Carl is like visiting 27 different banks and lenders all in one friendly, relaxed appointment. We have access banks and lenders that aren’t available to the general public. This means we can compare hundreds of loans for you.

Convenience: Our office is child, baby and pram friendly. Or we can come to you.

Knowledge: We know EXACTLY what each bank and lender is looking for in a home loan refinance application. So, we make your application as attractive as possible and help you put your best foot forward.

Efficiency: We look after all the paperwork for you. We’ll package your application up in a way that makes the lender or bank’s assessment process as easy and efficient as possible.

Savings: Having access to hundreds of home loans, means we can compare interest rates to find a competitive home loan for you. Also, sometimes, we have access to special interest rates and fee discounts or waivers.

Our trusted panel of mortgage lenders

Meeting with our Mortgage Broker Carl is like visiting over 27 different banks and lenders all in one friendly, relaxed appointment. Our carefully curated panel of lenders are competing for your business and we’re here to empower you with choiceOur lenders include all of the big banks and 2nd tier lenders such as building societies and non-conforming lenders.

Latest home loan interest rates

Starting from



Comparison rate


Kind words from happy clients

Carl made the process of refinancing our house so easy. Even when we had to take all 3 kids into his office!
He listened to all our requests and we ended up with a great product.
Violeta finance provides an amazing service, with a smile!

Mel Lorencz

Facebook review

So very grateful to have found Carl!
What started off as just an enquiry turned into refinancing our home loans with better interest rates and structure of our loans making our finances and life more simple.
To top it off his service, knowledge and professionalism is second to none making the whole process feel effortless.
I am not really one to do a review but a thank you is just not enough

Melissa Florindo Castel

Facebook review

Wanting to lower our home loan rate, we approached Carl for an initial meeting. He was detailed focused in finding out about our individual circumstances before quickly providing us with several (much better) options. He stepped us through every stage of the refinance process, was always contactable and nothing was ever too much trouble. He made a daunting process run smoothly and efficiently!

Alysha Bickerstaff

Facebook review

Book your free mortgage refinance consultation today

Simply choose a time that suits you below.

Pop in your contact details and our super friendly Home Loan Expert Carl Violeta will give you a call.

It’s that easy.

Resources to help you get on top of refinancing your mortgage

Crunch your numbers with our free calculators

Loan comparison calculator

Loan repayment calculator

Arm yourself with the right information

How to refinance your home loan

Common mortgage refinancing traps

The benefits of refinancing your home loan


Book a consultation with our Home Loan Expert

In response to the COVID-19 Coronavirus pandemic, we’ve made a few adjustments to how we can meet with you.

The situation is evolving and we’re doing our bit to help flatten the curve.

We’re offering the option of phone or video appointments (via Zoom, Skype or Messenger video chat).

During the current COVID-19 situation we can’t offer our usual mobile service or in office appointments. Our office is located in Carrum Downs and our usual mobile service area is Victoria’s South East, including Frankston, the Bayside area, the Mornington Peninsula and surrounding suburbs.

However, wherever you live in Australia, we can help you using our phone and on-line video conference service.

Other services

Home Loans

First & Next Home Buyers. We compare 100’s of loans & rates to find the right one for you.

Property Investment

Grow your wealth & property portfolio with our exclusively tailored Investment Loans.

Mortgage Refinancing

Compare your current home loan with others on the market to potentially save $$$.

Business Finance

We organise Business Loans & Debtor Finance to help grow your empire.

Debt Consolidation

Roll existing loans & debts into one easy to manage loan – one loan means only one repayment.

Car Finance

Purchase your new wheels without being trapped in a high-interest loan.

*Two-year fixed rate of 2.19% p.a. Rate incorporates a Breakfree discount applied to eligible home loans linked to the Breakfree package. ANZ Breakfree discounts and benefits apply only while the customer maintains the package and meets ongoing eligibility criteria. This Comparison Rate is for secured loans of $150,000 over 25 years based on monthly repayments, including minimum Breakfree discount. WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. Annual package fee currently $395 and subject to change. Eligibility criteria and terms and conditions apply, including a minimum total mortgage lending requirement of $150,000. See ANZ Breakfree Terms and Conditions for details. ANZ Breakfree package benefits only apply while you maintain the package and meet ongoing eligibility criteria. Terms and conditions and fees and charges apply to products and services taken out in connection with an ANZ Breakfree package.