Refinance your home or investment loan as part of a broader financial strategy. MWT Financial Solutions provides access to competitive loan options and strategic guidance from an experienced Financial Planner and Mortgage Specialist.
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At MWT Financial Solutions, we view refinancing as a strategic decision within your broader financial plan, not simply a rate change. When structured correctly, refinancing can improve cash flow, create flexibility and support long-term wealth outcomes. Our role is to help you assess whether refinancing aligns with your goals and, if so, structure it in a way that strengthens your overall financial position.
Refinancing may provide access to more competitive interest rates, improved loan features or a structure better suited to your current circumstances. In many cases, this can reduce repayments, shorten loan terms or improve cash flow, allowing surplus funds to be redirected toward investments, savings or lifestyle priorities. With access to a wide panel of Australian lenders, we assess options across the market to ensure suitability, not just pricing.
For property owners with available equity, refinancing can also support strategic opportunities such as property investment, portfolio restructuring or debt consolidation. By consolidating higher-interest debts into a well-structured loan, you may simplify your finances and improve long-term efficiency.
Every refinance we recommend is assessed within the context of your income, assets, liabilities and future plans. Our advice is transparent, considered and tailored to your financial objectives — with ongoing support beyond settlement.
If you’re considering refinancing or restructuring your Home or Investment loans, we’re here to help you Create, Grow & Protect with confidence.
Refinancing can be a powerful strategic tool when your circumstances, goals, or the lending environment change. At MWT Financial Solutions, we help you assess when refinancing supports your broader financial strategy — not just your interest rate.
Create Opportunity
Refinancing can create new opportunities as your circumstances or the lending environment change. If your fixed-rate period is ending, your loan will typically revert to a variable rate that may be higher or lower than your existing rate. Reviewing your loan before the fixed term expires allows you to assess options such as refixing, restructuring with your current lender, or refinancing to a new lender — ensuring your loan remains aligned with your goals and cash-flow needs. Refinancing can also create opportunities to restructure your lending, add features such as offset accounts, or improve flexibility as your financial position evolves.
Grow Your Wealth
Refinancing can play a key role in wealth creation and portfolio growth. As your property value increases and loan balance reduces, equity may become available. Refinancing can allow you to access this equity to purchase additional property, fund renovations, consolidate debt, or support other investment strategies. At MWT Financial Solutions, we assess how much equity may be accessible under current lending policies and structure it in a way that supports long-term wealth accumulation, tax effectiveness, and cash-flow efficiency.
Protect Your Financial Position
Refinancing can also be used to protect your financial position by managing risk and maintaining repayment sustainability. Adjusting your loan term or repayment structure can help balance affordability and long-term costs. Shortening a loan term may reduce total interest paid, while extending the term can improve short-term cash flow. Each option carries trade-offs that must be carefully considered alongside interest rate risk and income stability. Our role is to ensure any refinancing decision supports your broader financial plan and protects your lifestyle, cash flow, and long-term outcomes.
If you’re considering refinancing or restructuring your Home or Investment loans, we’re here to help you Create, Grow & Protect with confidence.
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Ashlea
A big Thankyou to Matt for the incredible work and dedication to helping my Husband and I purchase our first home. Matt is very knowledgeable, approachable, great with communication and went above and beyond to help us and we would highly recommend MWT Financial Solutions to everyone! Hands down the best at what he does. Thankyou
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Darren
Very clear and understanding, he made our mortgage possible when I can guarantee anyone else wouldn’t on such a tight timeline and he got it over the line. I could not recommend him enough he’s the G.O.A.T (Greatest Of All Time) when it comes to mortgage and super advice.
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Corey
Matt was absolutely amazing to deal with, he made everything so easy and understandable. The entire process of buying our home was a breeze. Matt was there to explain and walk us through every obstacle that we faced, absolutely amazing bloke and goes into every detail... Would highly recommend him to everyone buying or investing in property.
MWT Financial Solutions provides comprehensive financial planning and mortgage broking services designed to help Australians build lasting wealth. Our services include strategic financial planning, home loan and investment property financing, retirement planning, investment advice, tax-efficient strategies, and risk management solutions. We take a holistic approach to your financial wellbeing, ensuring all aspects of your wealth creation journey work together harmoniously. Whether you're purchasing your first home, expanding your investment portfolio, or planning for retirement, we provide tailored strategies that align with your personal goals and circumstances.
Our team holds relevant qualifications in financial planning and mortgage broking, ensuring we can provide expert advice across both disciplines. We're licensed under Australian Securities and Investments Commission (ASIC) requirements for financial advice and hold Australian Credit Licences for mortgage broking activities. Our advisers participate in ongoing professional development to stay current with industry changes, legislation updates, and emerging strategies. We're members of relevant professional associations and maintain comprehensive professional indemnity insurance. Most importantly, we have extensive practical experience helping Australians build wealth through strategic financial planning and property finance, giving us real-world insights into what works.
Our fee structure is transparent and designed to reflect the value we provide in helping you build wealth over time. For financial planning services, we typically charge either a fixed fee for specific projects or an ongoing fee for comprehensive wealth management services. These fees vary depending on the complexity of your situation and the level of ongoing support required. For mortgage broking services, we're generally paid by the lender once your loan settles, meaning there's often no upfront cost to you. We'll always discuss our fee structure upfront during our initial consultation, ensuring you understand exactly what you'll pay before we begin working together.
Our unique combination of financial planning expertise and mortgage broking services sets us apart in the Australian market. Rather than focusing on isolated financial products, we take a strategic, integrated approach to wealth creation. This means your mortgage strategy works alongside your investment planning, superannuation, and tax strategies to maximise your wealth-building potential. We specialise in working with ambitious individuals aged 25-50 who are serious about building their financial future. Our proactive communication style and ongoing partnership approach ensure you receive continuous support as your circumstances evolve, not just one-off advice.
Getting started is straightforward. The first step is to contact us to arrange an initial consultation where we'll discuss your current situation, goals, and how we can help you achieve them. During this meeting, we'll explain our services in detail, outline our fee structure, and determine whether we're a good fit for your needs. If you decide to proceed, we'll gather detailed information about your financial circumstances and begin developing your personalised wealth-building strategy. We'll then present our recommendations and, once you're comfortable with the approach, begin implementing the various components of your financial plan. Throughout this process, we maintain clear communication and ensure you understand each step we're taking.
Purchasing your first home is a significant milestone, and we're here to guide you through every step of the process. We'll assess your financial position, help you understand your borrowing capacity, and identify the most suitable loan products for your circumstances. Our team will work with multiple lenders to find financing solutions that match your needs and budget. Beyond securing your mortgage, we'll help you develop a comprehensive strategy that considers your long-term financial goals, ensuring your property purchase supports your broader wealth-building objectives. We also provide ongoing support throughout the settlement process and beyond.
Absolutely. Investment property can be a powerful wealth-building tool when structured correctly, and we specialise in helping clients develop comprehensive property investment strategies. We'll help you secure appropriate financing for investment properties while ensuring the investment aligns with your overall financial goals. Our approach considers factors such as cash flow, tax implications, capital growth potential, and how the investment fits within your broader portfolio. We work with you to identify suitable properties and structure the financing in a way that maximises your tax efficiency and supports your long-term wealth objectives. This includes ongoing monitoring and adjustment of your strategy as needed.
Superannuation and retirement planning are fundamental components of any comprehensive wealth-building strategy, and we provide expert guidance in this area. We'll help you optimise your superannuation contributions, choose appropriate investment options within your super fund, and develop strategies to maximise your retirement savings. This includes advice on salary sacrifice arrangements, transition to retirement strategies, and self-managed super funds where appropriate. We also help you coordinate your superannuation strategy with your other investments and property holdings to create a cohesive approach to retirement funding. Our goal is to ensure you're on course to achieve the retirement lifestyle you desire.
We work with clients at various stages of their wealth-building journey, and you don't need substantial assets to benefit from our services. What's more important is your commitment to building wealth and taking control of your financial future. Whether you're just starting your career, looking to purchase your first property, or already have some investments, we can help you develop and implement strategies appropriate for your current situation. Our focus is on helping driven individuals create wealth over time, regardless of their starting point. During our initial consultation, we'll assess your circumstances and recommend the most appropriate level of service for your needs.
Regular reviews are essential for keeping your wealth-building strategy on course, and we believe in proactive communication with our clients. Typically, we schedule formal reviews every six to twelve months, depending on your preferences and the complexity of your situation. However, we're always available for ad-hoc discussions when your circumstances change or opportunities arise. During reviews, we'll assess your progress toward your goals, evaluate the performance of your investments and mortgage strategies, and make adjustments as needed. We also reach out proactively when we identify opportunities or when changes in legislation or market conditions may affect your strategy.
MWT FINANCIAL SOLUTIONS PTY LTD ABN: 70 641 517 277. Credit Representative #519742 is authorised under Australian Credit License #519742.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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