Rise High Financial Solutions

header logo of Rise High - Award-winning mortgage Brokerage Adelaide

(08) 7131 1149

Refinancing and Debt Consolidation

Save money and pay down your debts faster!

Unlike Rise High Financial Solutions, most Lenders do not reward customer loyalty. The longer you have been with the same lender, the more loyalty tax you are likely to be paying.

We are here to help you review your existing mortgage to ensure it supports you, even as your dreams and goals change. 

Debt-free clients on a holiday
mortgage broker presenting loan options to client

Pay down your loan faster with Refinancing

For most people, their home loan or investment property loan repayments are their single biggest expense. If you are not actively reviewing your loan(s) every year, then you could be paying too much.

At Rise High, we get so much joy out of finding ways we can save you money on your loan(s) and give your cash flow a huge boost so that you can achieve your goals sooner! 

A review of your loans and your personal situation is fee-free with Rise High, so you have nothing to lose and everything to gain.

In undertaking this review, we will go to your existing lender to try and negotiate a better rate with them. We will then compare your current lender’s best offer to other opportunities you may have, determining the best option to allow you to achieve your goals and ultimately keep more of your cash. 

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Whether it’s refinancing to get a better interest rate or consolidating debt to take control of your finances, we can help you find the right solution to suit your needs.

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Refinance your loan

Ensure you have the right interest rate and loan product for your current circumstances

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Consolidate your debts

Roll your existing loans into one to save money and take control of your finances today

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Helping you find the right option

Your Rise High Mortgage broker will take the time to understand your personal situation, your goals and your priorities (both short and long term).

We will then review all the lenders on our extensive lender panel (of over 70 lenders)  looking at their credit policies, application criteria and fees and charges (including any potential refinance costs) and spend time negotiating with the lenders on your behalf to get you the best outcome with each potential lender.

To help you make your decision on which loan and lender is right for you we will present you with a detailed loan comparison table that compares the top lender options best suited specifically to your needs.

When we meet with you, we will go through your personalised loan comparison report in detail and answer any questions you may have so that you can feel excited and confident about your decision.

Because we would have already undertaken extensive analysis work prior to providing you with advice you can be confident that the lender options we present to you are all viable options for you that would result in a positive outcome of allowing you to achieve your goals and dreams.

Debt-free clients celebrating
Hand reaching out to the light, achieving financial dreams and goals

Refinancing your loans is easy with Rise High

At the very beginning of the process, we will send you a list of documents for you to upload into your personal Rise High portal. These documents will give us an understanding of your current financial position and will allow us to explore your options and potential savings.

We can also explore if you have any additional equity in your property that you could access as part of your refinance to put towards a renovation, investment property purchase, family holiday or anything else you dream of. 

Ultimately, we will develop a clear plan and strategy that can support your current lifestyle while enabling you to achieve your future goals and will project manage all parties involved to ensure that the process is as easy and stress-free for you as possible!

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Exploring your options

If your mortgage is more than two years old, there is a good chance that you can review your finances to make the most out of your money. Whether it be because your financial situation has changed or there are better loan products available in the market to suit your needs, our team can help you:

Long-term Rise High clients James and Delia
James & Delia
Clients since May 2012

Are you looking to improve your financial position?

Receive curated content to educate and empower you so you can develop a healthier relationship with money!

Our clients love us
as much as we love them

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Rise High client Nick

"They're all magicians!"

I think this is my 13th loan arranged through Rise High (it could be more). The team has always put my goals first and explored every lender policy to ensure that I'm not just able to achieve my objectives, but to get a great deal more than I ever thought possible. No wonder Rise High takes out just about every top award, every year. They're all magicians! There is simply no more nightmare of uncertainty, and their ethics is unparalleled. From 26 year of personal history in the property market, I couldn't offer any broker a higher commendation!

Nick Hart

Client since 2012

Rise High client Claudine

"These guys are faultless!"

These guys are life changers - honest, warm and they get results! Thankyou James & Team for making this a perfect experience for us - we can't recommend you highly enough!

Claudine Innes

Client since 2019

Rise High client Ceci

"Highly recommended!!"

RHFS helped us when we decided to buy our first house, and recently with refinancing our home loan. Thuy and Isabella did an amazing work and just leaving us to make the decision with a lot of useful information. Thanks for everything you have done for us, Thuy and Isabella and, of course, Rise High Financial Solutions.

Ceci Mantilla

Client since 2019

Rise High Client Ly

"Always on the ball"

We are long-term clients of Rise High and would highly recommend them. Over the years, James and his team have always been helpful and efficient. Karyn has helped us with our most recent loan and she has been fantastic. The team has always been able to work to our needs and timelines, they’re always willing to help, always on the ball and have a great can-do attitude.

Ly Nguyen

Client since 2018

Rise High client Phoebe

"Very Pleased!"

A HUGE thank you to Nhi & Bryan on the Rise High Financial Team, for their fantastic work. My husband and I have been engaging Thuy and her wonderful team since purchasing our first home back in (2011). Nhi & Bryan, we cannot thank you enough for all your staunch effort, fantastic communication and positive customer service in helping us secure our first investment property. Very Pleased! Thank you.

Phoebe Kavanagh

Client since 2013

Rise High client Daniel

"Expertise and professionalism"

Our experience with Rise High was amazing. The process ended up being so much simpler than we had thought thanks to their hard work. The expertise and professionalism they showed meant that it was one less thing for us to worry about. We were kept updated all the way and we're so happy to now be in our new home. We would highly recommend Rise High for anyone looking for these services.

Daniel Goldsworthy

Client since 2021

Rise High client Rachel

"have your interests at heart"

James and the team at Rise High were amazing. This was my first time getting a home loan, whereas for my partner has gone through the process with Rise High several times. I must admit I was a little nervous and heard of many bad experiences with other companies but this was certainly not the case. It was so easy, the team led us through the documents they needed and answered all my questions quickly, the whole process was absolutely seamless. James provided us with the best options so quickly and within 10 days we had approval. Pretty unheard of in this market at the moment, just goes to show with the right team anything is achievable. I would highly recommend Rise High to anyone who is looking for a mortgage broker who is trustworthy, reliable and who have your interests at heart.

Rachel Kim

Client since 2022

Rise High client David

"got me the best loan I am eligible for"

I had a great experience with Rise High Morgage Brokers. They saved me a lot on my loan and I am confident they got me the best loan I am eligible for. They communicated with me every step of the way and made the process really easy. Thank you

David Gill

Client since 2021

Rise High client Georgie

"No question is too complex"

The Rise High team are absolutely on point with everything. Their communication is 11/10. I've refinanced with them twice now and on to my 3rd loan. Each time I have been informed of every step along the way and kept in the loop with everything. No question is too complex. I've referred family and friends to Rise High and will continue to use them in the future!

Georgie Feronas

Client since 2018

Rise High client Rob

"Knocked this one clean out of the park"

I can't rate Rise High Financial Solutions highly enough. When dealing with banks and conveyancers and navigating the sometimes convoluted pathways to property ownership it's important to have expert advice and motivated staff in the form of the team at Rise High 'batting for you'. Thank you so much, you knocked this one clean out of the park. Rob 😊

Rob Allen

Client since 2007

Other Frequently Asked Questions:

As your trusted Finance and Mortgage Advisors, we are also here to answer any questions you might have regarding this process, and provide specific advice based on your personal circumstances. Some of the most commonly asked questions around refinancing include:

Ready to find out more?

Our award-winning brokers are always here to support you in achieving your financial goals. With a fee-free service, complimentary loan reviews that save you money, and regular updates and communications, you can always be confident to have a lifelong financial partner that will keep your best interests at heart!

What are you waiting for?

Happy couple in new home in Adelaide

Consolidating your debts made simple!

If you currently have multiple loans or debts (for example a car loan, credit card, and personal loan), debt consolidation can be a great alternative to make the most out of your money and take control of your finances!

By rolling multiple loans into one, our team of experts can help you:

  • Reduce your interest payable by accessing lower interest rates
  • Reduce overall monthly repayments so you can manage your cash flow better
  • Develop a structured plan to take control of your finances and pay off your debt sooner

Frequently Asked Questions:

Some of the most commonly asked questions regarding Debt Consolidation which you might want to consider include: