North Brisbane & Moreton Bay refinance broker

Life’s full of changes, and so are your financial needs. That’s where refinancing comes into play.

At IYBI Home Loans, we’re here to guide you through hitting the reset button on your loans.

So, why should you consider refinancing? Well, it’s not just about lowering your monthly payments (although that’s a perk). It’s about seizing opportunities, whether it’s consolidating debt, renovating, or checking if you and your home loan are still a good match.

Forget confusing banking language, we’ll explain your refinancing options in plain English. And that includes helping you weigh up whether refinancing is the right thing for you.


Debt consolidation

Roll all your loans and debt into a single, manageable home loan. Let’s chat streamlining your financing commitments.

Equity release

Looking to dip into your equity for a well-deserved holiday or add a pool to your pad? Talk to us about how to fund living life to the fullest.


Is your home loan still in your best interests? IYBI Home Loans can review your current and re-negotiate with your lender on your behalf.


Refinance Broker and Loan
What are the costs involved in refinancing?
Let’s keep it real – there are some fees you’ll need to cover when you refinance. But don’t worry, we make it our goal to help you recover these costs within the first year. Typically, you’ll encounter a discharge fee from the bank, usually around $350, and there’s another $450 fee from the titles office. The good news is, we usually roll these fees into your new loan, so you won’t have any out-of-pocket expenses.
What debts can I consolidate?
You can consolidate various types of debts like personal loans, credit card balances, buy now pay later plans, store card debts, and even loans for solar panels. ATO Tax Debt and business-related debts are a bit trickier to consolidate, however we do have some specialised lenders who can help (and us of course!).
How long does it take to refinance?
The refinancing period will depend on your situation, but we’ll give you a clear picture of the process timeline so you can plan with confidence.
What if I have had late payments and my credit score is poor?
We have a range of lenders that understand that “life happens” and sometimes it can get a bit overwhelming. Specialist lenders can still assist with debt consolidation even if you have a poor credit score or missed payments. They understand that you may just need to consolidate to get everything back on track. If this sounds like you, pick up the phone now and let’s have a chat – the sooner we get this going the better the outcome will be.

Why work with Paul Halford & the IYBI team

  • In Your Best Interests Always: It’s more than a business title. “In your best interests” means we always act with integrity and are relentless in our search for the best loan from our 50+ lenders.
  • We’re Your Broker For Life: We’re not just here for the moment, we’re here for every stage of your financial journey whether you’re a first home buyer, buying your next home or building an investment property portfolio.
  • Finance Made Approachable: New to the finance world? We’re here to help you cut through technical bank terminology, translate confusing terms, and read the fine print to make it simple.
  • We Work At Your Pace: We adapt to your timeline, working as fast as you need us around the clock. Your convenience, our priority.
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Don’t take our word for it

Happy Homeowners
Excellent5.0 Based on 89 reviews from review us onjamiejamie ★★★★★ Paul is fantastic, knowledgeable and honest. He will help guide you through the process.Lucy ConwayLucy Conway ★★★★★ Best in the business. Paul has been an amazing broker who walked us through the process of buying our first home. His expertise and compassion for silly questions is unmet. Thanks so much Paul 😊Mitchell GrayMitchell Gray ★★★★★ Paul was nothing but outstanding with helping me to get a fantastic result in my reconsolidation and moving of my home loan to a better rate than I had with "one of the big 4" banks.My payslips were a hassle for banks to understand due to allowances and deductions being a shift worker however Paul was always going to bat for me and fighting to get the results that I needed.I am now one happy customer of Paul's with the result he achieved under difficult circumstances during the rate rises etc.Great customer service and he was always keeping me up to date during the entire process.Raven HawrylukRaven Hawryluk ★★★★★ Paul was extremely helpful and as the company name suggest, everything was in my best interest. The assistance doesnt end after settlement, he is very caring and supportive. Would reccommend him to everyone.Tony McBeanTony McBean ★★★★★ Paul was a great communicator, giving us options and explaining everything as the process unfolded. Paul is very knowledgeable and responsive, even working across the weekend to get everything done. We are very happy with the service we received and definitely recommend anyone to Paul and the IYBI Home Loan team. You won’t be disappointed. Julie and TonyDylan BerderowDylan Berderow ★★★★★ Paul was absolutely fantastic in helping us understand and go through the process of buying our first home. Excellent communication, and a really personal service. Highly recommend Paul!Alison JefferiesAlison Jefferies ★★★★★ Firstly if I could give 100/100 stars for Paul’s genuine care and desire to fulfill another’s dream I would. 4 days out from a contract going unconditional on a new home for myself and my 2 children, I was told bluntly from my broker I wouldn’t get the finance causing absolute devastation, and to cancel the contract. I was casually referred to Paul. Well, from the moment i spoke him he got to work, reassuring me, calming me, keeping faith and making it a priority to get my finance through. Within 5 days Paul had proven to a bank that I could absolutely finance a mortgage no matter my income streams, Paul knew straight away which bank we would need to apply for, his knowledge, understanding, compassion, and genuine care went above and beyond any expectations and service I have ever received. A lifetime customer, without Paul and his motto In Your Best Interests I would not have fulfilled my dream. Thank you, forever grateful and look forward to working with Paul all things financial in the future🙏😊🌟🌟🌟🌟Michaela GroomMichaela Groom ★★★★★ Paul Halford is an absolutely fantastic broker. Highly recommend him. I was referred to him by my sister who also had a successful experience with him.My partner and I needed to refinance our home loan and had to jump through quite a few hurdles to do so. Paul took no time at all to come up with realistic options for us that suited our needs and situation.Paul has great communication. He would always respond swiftly to emails, texts or calls, no matter the time or day.I highly recommend you speak to Paul next time you need to refinance or purchase a house!Whitney GroomWhitney Groom ★★★★★ From selling my last property less than 12 months ago due to a separation to then having a goal for the new year to purchase again.I found Paul through a recommendation on Facebook from a local page.He worked long hours, after hours when required & went through a lot of challenges but we got there in the end with nothing but professionalism & friendliness!HIGHLY recommend Paul to help with any of your mortgage needs! 🙌Arvinder SinghArvinder Singh ★★★★★ Thank you Paul for assisting with the refinance of our Home Loan. You have been very helpful throughout the process. Five Star customer service, clear communication, options of choosing the new bank and timely reminders for all the documents made the process very easy for us. Thank you, Arvinder.SamSam ★★★★★ Paul has just helped us through the buying and selling process of our lovely new home. We are highly impressed with the service and would recommend to anyone looking for financial advice to use Paul.Thanks again, we look forward to using you again to re-finance the mortgage down the track!Sam & Ellen.Denise StuartDenise Stuart ★★★★★ Paul was amazing. He was so knowledgeable and went above and beyond to secure the loan. I would highly recommend Paul if you are looking for a good broker.Tia StuartTia Stuart ★★★★★ Paul is a pleasure to work with, and I would recommend him to anyone requiring a mortgage broker. He is clear in his communication, patient and kind with his responses to our many (first home buyer) questions, and respectful while reviewing finances and spendings. 5/5, thanks Paul.John HarmerJohn Harmer ★★★★★ Paul is the best Home Loan broker you could find. He works really hard to get the best deal possible and at the same time is a pleasure to deal with. Thanks Paul for your help! The name says it all. In Your Best Interest Home LoansRobert SheppoRobert Sheppo ★★★★★ Amazing service, helped me through the whole process start to finish. Couldn’t recommend anyone better.Mohsin ShahzadMohsin Shahzad ★★★★★ I want to express my sincere appreciation for the exceptional service provided by Paul Halford at IYBI Home Loans. We recently worked with him to secure a home loan, and his commitment to ensuring a seamless process was truly remarkable.He not only possesses an in-depth understanding of the lending landscape but also went above and beyond to secure the best possible loan terms for us. His expertise in navigating the complexities of loan lending was evident, making the entire process smooth and stress-free.What sets him apart is his proactive approach. He anticipated potential hurdles, addressed them preemptively, and kept us well-informed at every stage. The level of communication was exemplary, and he ensured that we were comfortable and confident throughout the loan application process.In addition to his exceptional communication, he demonstrated strong negotiation skills, securing favorable loan terms on our behalf. His dedication to our financial well-being was evident, and we felt genuinely supported throughout the lending process.I wholeheartedly recommend him to anyone seeking not just a broker, but a partner in their financial journey. He has not only earned our gratitude but also our highest recommendation for his outstanding loan lending capabilities.Jeffrey LaingJeffrey Laing ★★★★★ The experience with Paul has been amazing. He covered every detail and found a number of options to choose from. From the time I sat down with him the first time through to the settlement day he assisted in everything, totally positive, helped with every aspect, recommended some excellent people to assist along the way and gave a personal touch totally unexpected along the way. Also will review the loan along the way to make sure the best available product is availed and cost is the lowest it can be. Thanks Paul, IYBIMark OliverMark Oliver ★★★★★ I can't say enough about the incredible work Paul does at IYBI Home Loans. His dedication to providing top-notch service to clients is nothing short of phenomenal.Paul consistently goes above and beyond, pushing his boundaries and acquiring new skills to stay ahead in the mortgage broking game. The biggest point of difference for Paul is his mindset towards a service based buiness, he generally values his clients and looks to build relationships to ensuring every client gets the best possible experience.I highly recommend Paul at IYBI Home Loans for anyone looking for a mortgage broker who is not just competent but also dedicated to continuous improvement. Kudos to Paul for your outstanding work!Jayden DuffieldJayden Duffield ★★★★★ My wife and I used Paul to refinance our mortgage and switch banks. Paul did all the heavy lifting, giving us multiple options that suited our needs. Paul was great throughout the entire process and helped us with a heap of questions, making it a seamless transition. Would highly recommend Paul - 5 stars!Zoe WestcottZoe Westcott ★★★★★ I had an outstanding home loan experience working with Paul Halford.His thorough research, combined with a pleasant and stress-free approach, made the mortgage process a breeze.Paul ensured we were well-informed every step of the way, and his expertise proved successful in securing exactly what we needed.I highly recommend Paul for anyone seeking a reliable and knowledgeable mortgage broker.Simba MatandaSimba Matanda ★★★★★ Had the pleasure of Paul’s services for a home purchase recently. Paul’s guidance was top notch throughout the whole process.Narelle GattiNarelle Gatti ★★★★★ Paul Halford has been incredible in working with my son to get his first house loan. Paul has taken my son, step by step through what is needed and I have also referred a second son to Paul. Great client service and thoughtfulness. thank you PaulTrina NewbyTrina Newby ★★★★★ This was such an easy stress free process. Paul was so accommodating. He really went above and beyond with helping me get my loan. I am not good with computers, and he was so good at taking me through everything meeting up to help me. I truly have never had such a good experience and so much help. Thank you so muchSamuel KnightSamuel Knight ★★★★★ I recently bought a new house and had the pleasure of working with Paul as my mortgage broker. As a first-time buyer, I was quite unsure about the process, but Paul was a game-changer. He was exceptional in explaining every step, making complex mortgage concepts understandable. What stood out was his dedication to finding the best mortgage option tailored to my needs. His responsiveness was second to none – always quick to reply, even outside typical business hours and on weekends, ensuring that my loan applications were processed without delay. His commitment and advice were invaluable, and I couldn't be more grateful. I highly recommend Paul to anyone needing a mortgage broker!Derick HiltonDerick Hilton ★★★★★ IYBI would be the most helpful broker I have encountered. They helped me out in my time of need and came through. Thanks very much to Paul for making the process quick and easy.js_loader

Your North Brisbane & Moreton Bay refinance broker for financial freedom and confidence.

As your debt-wranglers, we’ll herd your repayments into a seamless plan to put you firmly back in the driver’s seat of your finances. We’re your broker for life and will only ever act in your best interest.