MELBOURNE HOMEOWNERS
$2,888 cashback when you refinance
One lender is offering it on eligible refinance applications, paid within 60 days of settlement.
Find out in two minutes whether switching works out better for you.
Next Step: Complete The Form Below To Start Your Application
TESTIMONIALS
What others are saying
You may be eligible if
20%+ equity
LVR of 80% or less
$400,000+
Minimum loan size
Owner-occupier
Refinance or purchase
No LMI
Construction excluded
How it works
Answer five questions
Takes about two minutes. No credit check, no documents needed yet.
We compare 30+ lenders
Including this cashback offer, against what you're paying now.
You decide
We handle the paperwork if you go ahead. If switching isn't worth it, we'll tell you.
MEET YOUR BROKER
Hey, I'm Abhishek
I've been helping Melbourne homeowners refinance for years, and the thing I hear most often is that people put it off because it feels complicated. It usually isn't. Most of the work is on my side, and if switching isn't worth it, I'll say so.
Melbourne-based, clients across Victoria
30+ lenders on panel
No cost to you
Still not sure?
Here's what we usually get asked
Common questions from Melbourne homeowners
Is this really free?
Yes. We're paid a commission by the lender if your loan settles, not by you. If we can't find you something better than what you have, you pay nothing and we'll tell you straight.
Will this affect my credit score?
No. Checking your eligibility involves no credit enquiry. A credit check only happens later, if you decide to proceed with an application.
How do I know the cashback is worth it?
Sometimes it isn't. A $2,888 cashback doesn't help if the rate is higher or the fees are steeper over the life of the loan. We'll show you the comparison and tell you if you're better off staying where you are.
What if my loan is under $400,000?
This particular offer won't fit, but it's not the only option. There are around 30 lenders on our panel and cashback offers change regularly. It's still worth a two-minute check.
How long does refinancing take?
Most refinances settle in four to six weeks from application. Since applications for this offer close on 30 September, there's still time — but the sooner you start, the more comfortable the timeline.
Who am I dealing with?
Abhishek Gupta, a Melbourne-based mortgage broker with Be Smart Finance. You'll deal with the same person from the first call through to settlement — not a call centre.
We also help with
First home purchases · Investment property loans · Construction finance · Commercial lending · Loan restructuring
Mention it when we speak — happy to look at the whole picture.
Be Smart Finance | Credit Representative [number] under Australian Credit License 43427168848. Eligibility and lending criteria apply. LMI and construction loans excluded. Cashback offer subject to lender terms and may change or be withdrawn. Applications must be submitted by 30 September 2026 and settle by 31 December 2026.