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
AI

AI summary

While not essential for refinancing, a mortgage broker offers impartial advice on home loans from multiple lenders. They can simplify the application, potentially find better rates, and assist those with unique circumstances like being self-employed or having a low credit score.

Drawbacks include a limited selection of lenders and potential commission bias. Be sure to ask about their fee structure, as you may be charged if you receive advice but don't proceed through 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