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 you don't need a mortgage broker to refinance your home loan, they offer valuable benefits. Brokers provide impartial advice and access to products from multiple lenders, potentially finding better rates and helping with your application, often at no cost to you.

However, they don't work with all banks, and commissions could influence their advice. A broker is ideal if you want expert guidance, but going directly to your bank is fine if you've already done your research.

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