Buying guide

Do I need a mortgage broker to refinance my home loan?

To help you sort your mortgage out we’ve answered common questions around mortgage brokers.

Ben Tutty
Last updated: 27 August 2025 | 3 min read
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While not essential for refinancing, a mortgage broker offers significant advantages. They provide impartial advice on loan options from multiple lenders, whereas your bank only offers its own products.

Brokers can help with applications, negotiate better rates, and assist those with unique circumstances like being self-employed. Their services are often free to you.

Potential drawbacks include not working with all lenders and commission structures that could influence advice, so always ask about these details upfront.

No you don’t need a mortgage broker to refinance your home loan

Refinancing could save you money to spend on the things that really matter.

How can a mortgage broker help you?

The drawbacks of using a mortgage broker

When should you see a mortgage broker?

Could refinancing with a mortgage broker save you money?

Do mortgage brokers do credit checks?

So is a mortgage broker right for you?

Author

Ben Tutty Ben Tutty
Content Writer