Disclaimer

Who we are

remortgage.help is operated in Australia by Unilink Pty Ltd, trading as remortgage.help. remortgage.help is not a lender, credit provider or credit broker. We do not hold an Australian Credit Licence (ACL) or an Australian Financial Services Licence (AFSL).

What this site provides

General information about refinancing Australian home loans, and an estimate produced by a calculator. The calculator is an estimate, not a quotation. It models a fully amortising loan at a fixed rate over the remaining term you enter, and deducts only the one-off costs you enter. It does not model offset balances, redraw facilities, loan features, repayment frequency changes or any other contract term, and it does not know your credit position, your LVR assessment or what any lender would offer you.

Nothing on this site is personal financial advice, a credit approval, a rate offer, or a recommendation to refinance with any lender. Rely on your own reading of your contract, and on any written quote you are given.

No rates, no rankings

This site does not list lender rate tables or rankings. Rates move and they differ between borrowers. In the chat, a broker-side assistant can share current reference rates, which are indicative only and subject to assessment of your own application. The Reserve Bank publishes the cash rate target that lenders price off — see the reference below.

The only market figure referenced on this site is the Reserve Bank of Australia cash rate target: 4.60%, effective 30 September 2026, following a decision on 29 September 2026 (an increase of 25 basis points to 4.60%). Lenders price off the cash rate target, but your rate depends on your loan, your LVR and the market on the day. The figure was read on 1 October 2026 and may have changed since.

Broker reviews

When you send your calculator result to a licensed mortgage broker, that review is provided by the broker, not by us. A review is not a credit approval and not a rate offer. The lender decides whether to approve your application and on what terms.

Third-party sources

We link to official and government-adjacent sources, including the Reserve Bank of Australia, ASIC and Moneysmart. We do not control those sites and are not responsible for their content. Where we summarise or quote them, we do so in our own words and link back to the original.

Limitation of liability

To the maximum extent permitted by law, remortgage.help and Unilink Pty Ltd are not liable for any loss arising from reliance on this site's general information or on the calculator's estimates. You are responsible for verifying any figure against your own contract and any written quote before making a decision.

Contact

Questions about this disclaimer can go to contact@remortgage.help. See also our privacy policy.