Why Refinance with Sunstate Financial?


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One of Australia’s largest and most diverse lending panels
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Streamlined six-step lending process
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Provide updates as your application progresses
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Coordinate with all necessary parties to ensure a smooth experience
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Provide property reports to help with your decision making
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Work with employed and self-employed clients
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Loan options for alt doc, SMSF, expats, first home buyers and commercial clients
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Complimentary annual review
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Client for life program
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Real people that care
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Better Interest Rates:

One of the primary reasons to consider refinancing is to secure a more favourable interest rate. Sunstate Financial’s expert team continually monitors market trends to ensure you benefit from competitive rates, potentially reducing your monthly repayments and overall interest costs.

Accessing Equity for Renovations:

If you’re contemplating home or investment property renovations, refinancing provides a strategic avenue to access your property’s equity. Sunstate Financial can guide you through the process, ensuring you obtain the necessary funds for your renovation projects.

Unlocking Investment Opportunities:

Refinancing allows you to tap into your property’s equity, providing the capital needed to explore new investment ventures. Whether you’re considering additional property acquisitions or diversifying your investment portfolio, Sunstate Financial can tailor a refinancing solution to align with your investment goals.

Debt Consolidation:

Streamline your financial management by consolidating high-interest debts into your mortgage. This not only simplifies your repayments but also offers the potential for lower interest rates, saving you money in the long run.

Tax and Business Debt Refinancing:

Sunstate Financial recognizes the unique challenges faced by business owners. We work with specialist lenders who offer solutions to refinance tax and business debts, providing relief and optimising your financial structure.

Flexible Loan Structures:

Sunstate Financial offers a range of loan structures to suit your evolving needs. Whether you prefer the stability of a fixed-rate loan or the flexibility of a variable-rate loan, our experts will tailor a refinancing solution that aligns with your financial preferences.

The Sunstate Financial Advantage in Refinancing:

Expert Guidance:

Our seasoned financial professionals provide expert guidance throughout the refinancing process, ensuring you make informed decisions aligned with your financial goals.

Efficient Processes: Sunstate Financial values efficiency. Our streamlined refinancing processes aim to save you time and simplify the experience, allowing you to focus on your financial objectives.

Personalised Solutions:

Recognizing that each borrower has unique requirements, Sunstate Financial provides personalised refinancing solutions that cater to your specific financial circumstances and objectives.

Secure Your Financial Future with Sunstate Financial's Refinancing Solutions

Whether you’re aiming to reduce mortgage repayments, fund home improvements, explore new investment opportunities, consolidate debt, or address tax and business debts, Sunstate Financial is here to transform your refinancing journey into a strategic and empowering experience. Contact us today, and let’s optimise your financial landscape together.

Our Lenders


“An amazing service from a team who genuinely care about your situation and results. Jared and the team looked after all our loan needs and were amazing.”

Edward & Rebecca Elanora

“Jared Engwirda is the absolute professional, a pleasure to deal with, you can expect an exceptional experience. Jared thanks for making our dreams come true. We will undoubtedly use your services in the future and highly recommend your expertise.”

Lisa & Simon Robina

“Recently got a loan with Jared from Sunstate Financial. Thanks so much for going above and beyond in securing my loan in such a short timeframe. Not only did you calm my nerves but you were always available helpful and professional at all times even when I was a nervous mess. Highly recommend you to anyone. I am interstate and found dealing with you easier than my local reps. Will be back if I ever need anything again and can’t say thanks and recommend you enough. Happy with my home and loan!  Great job Jared and Sunstate Financial.”

Melissa Melbourne
“Got us a great mortgage! Jared is tenacious, dedicated and an all-round great bloke to deal with!”
Chris & Michelle Dubai

Optimise Your Financial Landscape:
Refinancing Solutions with Sunstate Financial

Refinancing your existing home or investment loan is more than a financial transaction; it’s a strategic move that opens a gateway to a spectrum of opportunities. At Sunstate Financial, we specialise in crafting tailored refinancing solutions that empower you to optimise your financial position, whether it’s securing a better rate, accessing equity for renovations, exploring investment opportunities, consolidating debt, or addressing tax and business debts through specialised lenders.