We compare your rates with 50+ lenders
Why this matters
Most people picture weeks of phone calls. That assumption is wrong when a broker runs the process.
The 7 steps below are split into two clear parts: what Stryve does and what you do. This is not a checklist you manage alone — it is a process managed for you, with your involvement limited to specific, defined moments. Your role is to provide information and make decisions. Everything else sits with your broker.
The 7-step refinance process
Here are the 7 refinance process steps from first conversation to new loan settlement. At each stage, you will see what Stryve handles and what you need to do. How to refinance a home loan becomes straightforward once you see how small your role is at each point.
Your total active involvement across all 7 steps: 2 to 4 hours.
01
Work out if refinancing makes sense
Stryve reviews your current rate, loan balance, remaining term, and any exit costs, and flags if your situation has factors that reduce the case for refinancing. You check your most recent loan statement for your current rate, balance, and any fixed-rate expiry dates, and think about what you want from a new loan: a lower rate, different features, or access to equity.
02
Initial consultation
Stryve runs a 15 to 20 minute call to understand your financial situation, goals, and any complexities (self-employment, investment properties, irregular income, recent credit events). You answer questions honestly about your income, debts, and what you want to achieve. No application is lodged. No commitment.
03
Document collection
Stryve sends a secure upload link and a checklist tailored to your situation. PAYG borrowers upload 3 months of payslips, 6 months of bank statements, your current loan statement, photo ID, and a rates notice. Self-employed borrowers add 2 years of tax returns, 2 years of financial statements, the most recent BAS, and proof of trading history. Stryve flags whether the new loan will replicate your current features (offset, redraw, split structures) so nothing is lost by accident.
04
Lender shortlist and recommendation
Stryve compares options across 40+ lenders and presents 3 to 5 specific options. Each option includes the rate, comparison rate, loan features, and trade-offs in a written recommendation. Commission disclosure happens here — you see exactly what Stryve earns from each shortlisted lender before you choose. You review the options, ask questions, and pick the lender that fits your situation.
05
Application lodgement
Stryve prepares and lodges the full application with your chosen lender, handles all lender queries, and follows up on processing timelines so the application does not sit in a queue. You review and e-sign the application. That is it for this step.
06
Valuation and approval
Stryve coordinates the lender-ordered valuation and manages any conditions (additional documents, clarifications, insurance confirmation). If the valuation comes in lower than expected, Stryve discusses options: a different lender with a more favourable valuation panel, a desktop valuation, or a revised loan amount. You wait. Stryve contacts you only if a decision is needed.
07
Settlement and discharge
Stryve coordinates settlement between the new lender and the old lender, manages the discharge through the lenders' solicitors, and confirms the new loan is live and the old loan is closed. Your old lender can take 10 to 20 business days to process the discharge — Stryve tracks this and follows up so you do not have to. You do nothing. Settlement is handled entirely between Stryve, the solicitors, and the two lenders.
Not sure if refinancing stacks up for you?
Book a free 15-minute feasibility chat. A Stryve broker reviews your current rate against the market and gives you an honest assessment before any application is lodged.
Book your feasibility chatWhat could go wrong, and what we do about it
Refinancing does not always go to plan. Here are the four things that can derail the process and how Stryve handles each one. If you start and decide not to proceed, there are no fees from Stryve and no obligation.
Serviceability failure
The new lender assesses your income and expenses and decides you do not qualify at their rate. More common than people expect, especially after rate rises. Stryve identifies this risk during the initial consultation and will not lodge an application that is likely to fail.
Low property valuation
The lender's valuation comes in below what you expected, reducing your borrowing capacity or pushing your LVR above 80%. Stryve can request a desktop valuation from a different provider, move to a lender with a more favourable panel, or adjust the loan structure to fit the lower figure.
Discharge delays
Your old lender can take 10 to 20 business days to process the discharge. No one controls this timeline. Stryve tracks the discharge and follows up with the old lender's discharge team on your behalf. You will not be making those calls.
Credit score impact
A new loan application creates a credit enquiry on your file. One enquiry has minimal impact on your score. Stryve does not shotgun applications to multiple lenders. One targeted application protects your credit file.
How refinancing through a broker works differently
Going direct to a lender means applying to one bank and hoping their product fits. Refinancing through a broker changes the structure of that decision.
40+ lenders, one application
Your situation is matched across 40+ lenders before a single application is lodged. You are not limited to one bank's product shelf or whatever retention rate their team offers.
Commission you can see
Stryve discloses what every shortlisted lender pays in commission before you choose. You compare lenders knowing the full picture, including what the broker earns from each one.
Your features are protected
Offset accounts, redraw facilities, split loan structures. Stryve checks whether the new loan replicates what you have now so you do not lose a feature you rely on.
No cost to you
Stryve is paid by the lender you choose. There are no broker fees, no application fees from Stryve, and no obligation if you decide not to proceed at any point. Document upload, e-signing, and video consultations keep the process moving without branch visits.
Next steps in the
refinance journey
What our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
How refinancing works: common questions
Find out if refinancing is worth it for you
A 15-minute call. No cost, no obligation. Stryve reviews your current rate and gives you an honest assessment of whether switching makes sense for your situation.