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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AI summary

While not essential for refinancing, a mortgage broker offers impartial advice on home loans from multiple lenders, helping you find the best deal. They assist with applications, may negotiate better rates, and can help those with unique circumstances like being self-employed.

Potential drawbacks include a limited lender selection and commission incentives that could influence recommendations. Most brokers' services are free as they're paid by lenders, but always clarify any potential fees upfront if you don't proceed with them.

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