Refinancing — fixed fees, no surprises.
Our pricing for residential refinancing. Base fee of $995 + GST plus disbursements, with small surcharges for company or trust ownership, unit title, or cross-lease. Priced upfront before you switch lenders.
Base fee, ownership, and title.
Three components drive the fee. Here's how they stack.
Base fee — $995 + GST + disbursements
Equivalent to $1,114.25 incl. GST + disbursements. Covers standard refinancing from one lender to another on a freehold title.
Individual or personal name — no additional charge
The base fee applies as-is.
Company or trust — $575 incl. GST
Additional work required for company or trust-owned property. More documents, more verification, more signing parties.
Unit title — $230 incl. GST
Additional title review required for unit title (body corporate) property.
Cross-lease title adds complexity to the refinancing. Shareholder consent and cross-lease-specific drafting.
Cross-lease title adds complexity to the refinancing. Shareholder consent and cross-lease-specific drafting.
Multiple properties
Refinancing more than one property at the same time — email us for a bundled quote.
Angus Grayson, LLB
Refinancing fees should be the easiest part of switching lenders. We publish them so you can factor the legal cost in before you commit to a new rate.
Send me the guide.
Three components drive the fee. Here's how they stack.
Before you download.
How long does refinancing take?
Four to six weeks from start to drawdown is typical, assuming the new lender is moving at standard pace.
What triggers the company or trust surcharge?
Any property owned in a company name or by a trust. The surcharge covers additional verification, resolutions, and trustee signing.
Is the Clawback / Break fee part of your cost?
No — that's charged by your existing bank, not us. We'll factor it into the settlement statement but it's a separate cost.
Can I refinance and renovate at the same time?
Yes. If the refinance involves a construction loan or top-up for works, scope is larger and we'd quote separately.