Feeling stuck with your current home loan? Maybe your fixed rate has expired—or was always higher than it should have been. You're not alone. But there’s good news: refinancing doesn’t have to be stressful, confusing, or expensive. At I Know The Broker (IKTB), we specialise in helping Sunshine Coast homeowners reduce their repayments, unlock equity, and improve loan flexibility—all while paying zero broker fees.
Refinancing means replacing your current home loan with a new one—typically to secure a lower interest rate, access equity, or change your loan features. If your financial situation has changed since signing your original loan—or if your lender’s specials have expired—refinancing can put money back in your pocket.
Many Sunshine Coast locals refinance now to:
| Myth | Truth |
|---|---|
| "I cannot refinance because break fees are too high." | Brokers assess your true savings after fees—often the refinance still pays long-term dividends. |
| "Refinancing means hours of paperwork and bank chasing." | Not with IKTB. We handle all documentation, and for business owners, often no need for full financials—just NOA or BAS statements. |
| "All loans cost the same—why move?" | Your loan could lack helpful features like redraw, offset, or flexible repayments. Switching can improve terms significantly. |
| "It is safer to stay loyal to my existing bank." | Banks sometimes penalise loyalty with higher rates. Comparing lenders directly often reveals much better deals. |
| "Only people with high equity can refinance." | Many lenders accept LVRs up to 85%—and debt consolidation can even help manage equity more strategically. |
“IKTB made refinancing simple. Less paperwork than I expected and clear monthly savings from day one.”
Meet Sam, a Sunshine Coast electrician with a family and a busy business. He was juggling multiple debts—credit cards, vehicle leases, and two home loans—all at high-interest rates.
His challenges:
How IKTB helped:
If you're looking to refinance your home loan for a better deal or consolidate your debts, I Know The Broker offers expert mortgage advice across the Sunshine Coast. Whether you’re in Buderim, where our Buderim mortgage broker office supports homeowners seeking equity release, or in the laid-back streets of Noosa, we’ve got refinancing solutions tailored to your lifestyle. Our Mooloolaba mortgage broker is known for helping locals navigate fixed and variable rate refinances. From Pelican Waters to Caloundra, our team helps Sunshine Coast families find smarter home loan refinancing options through our main Sunshine Coast mortgage broker office.
If your current loan feels outdated, expensive, or restrictive, you owe it to yourself to explore refinance options with IKTB. We bring Sunshine Coast knowledge, lender access, and no-fee advocacy to the table.
Interested in finding out how much you could save?
Book a chat with a broker, book a time that suits you, and see why locals from Noosaville to Noosa count on us for smarter, simpler home loans.
You don’t pay a cent—because lenders pay us after settlement. We simply help you refinance smarter and lighter.
Even a 0.5% rate reduction can save you hundreds monthly. We show you the net savings after all exit and setup costs.
We run the maths before proceeding. If fees exceed benefits, we’ll tell you so—no problem.
Yes! Many lenders accept NOA- or BAS-only verification, which we specialise in arranging
Definitely. Bringing debt into your home loan often reduces interest and simplifies repayments.
It depends. We usually recommend splitting your loan—fixing part for stability and keeping some variable for flexibility. We'll tailor this precisely.
From start to settlement, typically 2–4 weeks if all documents are complete. We manage everything for you.
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At IKTB, we have a team of professional finance brokers who are able to provide the exact information you need. We’re here to work for you and your future endeavors
