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Looking To Refinance Your Current Home Loan?
How KBF help
Things in life change - and that includes interest rates, your circumstances and goals. When they do, it could be time for your home loan to change too.
Refinancing is a way you could potentially save money, trim your mortgage and ultimately, get a better deal. You don’t have to go it alone - with a KBF doing the legwork with your best interests at the heart, refinancing can be easier than ever and save you thousands on your home loan.
1. Reach out
Our refinancing experts are here to help, we're a friendly local North Brisbane team. Simply reach out here.
2. We research
We set about finding the right refinancing for your needs, comparing 60+ most trusted lenders in Australia.
3. You save
Our team are here to help you achieve your refinancing goals, simply reach out to get started.
Why choose Kelly Brothers Finance?
We Keep It Simple
When it comes to refinancing your home loan, we make sure that you understand all the steps and requirements, and we make it easy.
We're Family
We're a family run team, and believe in making sure that you have the right home loan for not only your needs, but your family too, like if you need a guarantor for example.
We're Here Now, And Later
Your home loan is an investment that requires ongoing maintenance, including refinancing to make sure you have the best home loan rates and terms now, and in the future. With KBF you don't need to worry.
Glowing 5-Star Reviews
If you're like us, you'll want to read a number of reviews before getting in touch. Please feel free to see our reviews here, from first home buyers to seasoned investors: Our Google Reviews
Meet North Brisbane's refinancing experts
Tom Kelly
Director - Home & Car Loans
tom@kellybrothersfinance.com.au
Tom is renowned for his genuine passion for looking after his clients, consistently exceeding their expectations with outstanding results. Specialising in home finance, he has a keen interest in the property market. Tom thrives on helping clients achieve what they once thought impossible. On a personal note, Tom is passionate about his fitness recently completing his first 100km ultra-marathon and is a true diehard Broncos fan and enjoys all things NRL.
Steve Kelly
Director - Commercial Loans
steve@kellybrothersfinance.com.au
Steve has established a strong reputation in the professional services industry for his reliability and results. Specialising in development funding, commercial property, and business funding, Steve takes pride in consistently helping his clients achieve their goals. As the numbers guy behind Kelly Brothers Finance, he brings a unique perspective to deals that others might overlook. Unafraid of challenges and passionate about continuous learning, Steve has completed multiple bachelor’s degrees and a Master's in Applied Finance. Steve has also completed multiple ultra-marathons and is looking forward to running his first 100miler soon.
Gilbert Albertson
Mortgage Broker
gilbert@kellybrothersfinance.com.au
With over a decade in finance including 10 years as a mortgage broker at Apple Loans Qld and KBF, Gilbert is dedicated to simplifying the home buying journey. He takes immense pride in delivering exceptional service, ensuring clients secure the best loan tailored to their needs and guiding them to plan for future financial decisions. Beyond mortgages, he enjoys coaching soccer, traveling, and relishes his partner's exceptional cooking.
Asmir Suljic
Mortgage Broker
asmir@kellybrothersfinance.com.au
Asmir is an enthusiastic and energetic individual who has spent the last 10 years in various positions in the finance industry. He has developed a true passion for making his clients dreams come true through excellent service and always being available. Asmir thinks anything is possible and does not take NO for an answer. So rest assure, Asmir has got you covered.
Scott Albertson
Business Development Manager
scott@kellybrothersfinance.com.au
Scott is a Business Development Manager for KBF and was the previous principal of Apple Loans (Qld) since its formation back in 2006. Scott has been in the banking and finance industry for over 40 years in a range of roles that has given him experience and knowledge across a variety of lending types. This experience allows him to provide clients with the very best service for even the most complicated finance proposals. Out of the office Scott is a passionate supporter of the Sydney Swans and the Wallabies. He is a keen squash player and likes a round of golf and enjoys a glass or two of red wine.
John McDonnell
Associate
john@kellybrothersfinance.com.au
John is an accomplished problem solver that’s been in the finance industry since 2019. John prides himself on his ability to find solutions and a warm customer experience. John is an associate that strives to create a smooth and stress-free experience for his customers, providing clear and concise information throughout the loan process. Always ready to go above and beyond to achieve the best outcomes possible.
Lindsay Watson
Associate
lindsay@kellybrothersfinance.com.au
Lindsay is dedicated to providing the best customer experience, having over 25 years’ experience in customer service roles. Lindsay has lead teams in retail, Optics & property delivery outstanding results, she is all about delivering the best customer journey. Lindsay has been in the finance industry since 2022 as a Broker Support Associate, and when she isn’t looking after our clients, Lindsay is a sports enthusiast and loves the Great outdoors.
Myza Andres
Myza is a dedicated Broker Support Executive with 2 years of experience in loan organisation and support, and 2 years of experience in bookkeeping & accounting. She is an organised and detail-oriented person with a comprehensive understanding of mortgage procedures. She is proficient in administrative tasks, client communication and providing support to mortgage brokers. Apart from being a BSE, she loves to go cafe hopping during weekends and enjoys random jam sessions with her friends
We negotiate with over 60 leading lenders for you, including the big four banks.
What is home loan refinancing, and how does it work?
Home loan refinancing is the process of replacing your current mortgage with a new loan—either with your existing lender or a different lender—to secure a better interest rate, lower repayments, or improved loan features.
- At Kelly Brothers Finance, we guide North Brisbane homeowners through the refinancing process by:
- Reviewing your current loan to identify cost-saving opportunities
- Comparing competitive home loan options from leading Australian lenders
- Managing the paperwork and application to streamline the transition
Refinancing can help you save money, access home equity, or consolidate debt. If you're unsure whether it's right for you, our expert mortgage brokers can assess your situation and provide tailored advice.
Why should I refinance my home loan?
There are several reasons why refinancing could benefit you, including:
- Lower interest rates – Reduce your monthly repayments and overall loan costs
- Better loan features – Access flexible repayment options, offset accounts, or redraw facilities
- Debt consolidation – Combine multiple debts into a single, lower-interest mortgage
- Access home equity – Unlock equity to fund renovations, investments, or personal goals
- Change loan type – Switch from a variable to a fixed rate (or vice versa) for more control
At Kelly Brothers Finance, we help homeowners in North Brisbane assess their refinancing options and find a better mortgage deal that suits their financial goals.
How do I refinance my home loan in North Brisbane?
Refinancing involves these key steps:
- Assess your current loan – Review your interest rate, fees, and features
- Compare new loan options – Check competitive offers from various lenders
- Apply for refinancing – Submit documents like income statements and property details
- Property valuation – The lender may assess your home’s value to determine borrowing power
- Approval & settlement – Once approved, your new lender pays off your existing loan
Kelly Brothers Finance takes care of the entire process, ensuring you secure a better loan with minimal hassle. Book a free consultation today to explore your options.
Are there costs involved in refinancing my home loan?
Yes, refinancing can involve some costs, including:
- Discharge fees ($100–$400) to exit your current loan
- Application fees ($0–$600) depending on the new lender
- Lender’s Mortgage Insurance (LMI) if borrowing over 80% of your property value
- Government fees for mortgage registration and transfer
However, the long-term savings from lower interest rates and better loan features can outweigh these costs. At Kelly Brothers Finance, we provide a cost-benefit analysis to ensure refinancing is the right move for you.
