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, they offer significant advantages. Brokers provide impartial advice on home loans from multiple lenders, potentially securing better rates and simplifying the application process.

They are particularly helpful for borrowers with unique circumstances, such as being self-employed. Be aware that brokers don't work with every bank, and their advice could be influenced by commissions. Always clarify potential fees before engaging their services to avoid unexpected charges.

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