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Merrylands · Mortgage broker

Refinance Loans Near Me | NSW

Looking for refinance loans near you? Mortgage Pass is based in Merrylands and serves the surrounding NSW area, including Sydney, Burwood, Concord, Holroyd, Homebush, Lidcombe. Call 0455 510 512 or send an enquiry below.

What we do

Refinance Loans

For owners whose rate or loan no longer fits.

What’s included

  • A free review of your current rate, fees, features, balance and any break costs
  • A comparison across suitable lenders with every switching cost counted
  • An honest recommendation, including when repricing with your lender is better
  • Application and approval
  • Discharge and settlement between your old and new lenders

Problems we solve

  • A rate that was competitive years ago but is not now
  • A fixed rate about to roll onto a higher revert rate
  • Equity needed for renovations or a build
  • Several debts at higher rates
  • Hidden costs that wipe out the saving
How it works

How we deliver

1
Free review of your current loanrate, fees, features, balance, fixed period and any break costs.
2
Comparison across suitable lenderswith all switching costs counted, using the refinance savings calculator.
3
Honest recommendationif staying and asking your lender to reprice is better, we tell you.
4
Application and approvalwith extra income documents if you are self-employed.
5
Discharge and settlementwe coordinate your old and new lenders.
Pricing

Honest, up-front pricing

Starts with a free assessment

The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.

Reviews & ratings

Loved by the local community

5
Based on 53 Google reviews
553
40
30
20
10
JJ
Joanna Jodeh
google

“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”

Posted on Google · 2026-10-01
SJ
Shorouk Jodeh
google

“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”

Posted on Google · 2026-09-26
LR
Lisa Ralph
google

“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”

Posted on Google · 2026-06-26

Meet your team

Led by people, not a faceless help desk

JJ
Julie Judge
Refinance Loans lead · Diploma of Finance and Mortgage Broking Management
FAQs

Questions answered

How does refinancing a home loan work?
When Mortgage Pass refinances your home loan, your new lender pays out your old loan and you repay the new one, usually to get a better rate, lower repayments or equity.
How much can I save?
Mortgage Pass works out your saving from your current rate, the new rate you qualify for, your balance and the costs of switching.
Can I refinance if I am self-employed or have irregular income?
Yes. Mortgage Pass refinances self-employed borrowers and people with irregular income, with extra documents to verify your income.
Will refinancing affect my credit score?
Mortgage Pass notes that a new application can cause a minor dip in your credit score that usually recovers.
How long does refinancing take?
Most refinances Mortgage Pass arranges take 2 to 4 weeks from application to settlement.
Are there fees?
Possibly. Mortgage Pass counts any discharge, application and government fees, and some lenders offer cashback or waive fees.
Business information

Mortgage Pass

Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Hours
Plus Code & geo
5X7Q+HH · -33.83602, 150.98890Open map →
Credit licence
Australian Credit Licence 387025

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Find us

Hours, directions and map

  • Address1/219 Merrylands Road
    Merrylands NSW 2160
  • StatusHours
  • Google Plus Code5X7Q+HH
Get directions to Merrylands

Opening hours

Hours
Monday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
ThursdayToday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed

Status: Open today 9:00 am – 6:00 pm

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