Refinancing

Refinancing with HomeStart could help you reduce your monthly repayments, renovate, or buy the family home after a separation.


With less money to pay upfront and options to borrow more, refinancing with HomeStart could help you reduce your monthly repayments, renovate, or buy the family home after a separation.

Refinancing with HomeStart could help you to:

  • reduce your loan repayments
  • increase the amount you can borrow
  • manage your loan repayments
  • pay no monthly account keeping fees

Reduce your loan repayments

Refinancing with a Breakthrough Loan could help you reduce your current repayments through a shared appreciation arrangement; in return, you share a portion of the home's change in value with us when the property is sold.

Increase the amount you can borrow

Depending on your income, you may be able to borrow more without increasing your monthly repayments with a HomeStart top up loan. Being able to borrow more lets you live where you want, sooner.

Manage your loan repayments

Our Repayment Safeguard helps take the stress out of home loan repayments.  

Don’t let the fear of changing interest rates stop you from getting into your own home sooner. Our Repayment Safeguard will help make your repayments more predictable.   

We work out your initial repayments based on your financial situation, not just interest rates. Usually, the only change will be an adjustment for inflation once every 12 months.  

So if interest rates go down, you’ll pay your loan off faster. If they go up, it’ll take longer. Either way, you’ll stress less.

No monthly account keeping fees

HomeStart home loans have no monthly account keeping fees, so you can pay less in fees and more towards your loan.

Hatsue explains how refinancing with the Breakthrough Loan helped her keep her home after a separation.

Get into your own home sooner

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Level 5, 169 Pirie St, Adelaide SA 5000