Mortgage Broker · YBR Inner Melbourne
The Loan Savings Check
Same repayment. Different lender. Could you be paying less?
It’s not just the rate - it’s how the loan is structured. See your real monthly surplus and how much sooner you could be debt-free, in about 30 seconds. No obligation.
Step 1 - the numbers
Run your own statement
Figures update as you type. Nothing is sent until you ask for the full report.
Loan snapshot
Set up differently, you could be debt-free 3 yrs 8 mths sooner.
Years off
0 yrs
vs your current path
Debt-free by
-
estimated
Step 2 - get the full breakdown, plus what it’d actually take to switch, sent to your inbox.
Where the saved money actually goes
What would you do with it instead?
How it works
Three steps, no paperwork yet
Run the numbers
Enter your current loan below - balance, rate, term. Nothing is sent anywhere at this point.
See the gap
Compare what you’re on now to what’s realistically available, in dollars and years.
Decide if it’s worth a call
If the numbers are worth chasing, get the full report and I’ll confirm the real figures with you.
Who you’d be talking to
About Dragan
Dragan holds a Bachelor of Finance & Banking (Honours) and a Certificate IV in Finance and Mortgage Broking. He takes the time to understand each client’s circumstances before recommending a lending solution, and stays involved from first conversation through to settlement - across home, commercial, investment, and business finance.
Your goals firstI start with what you want to achieve, then find the loan to fit.
Compares lendersOptions across a panel of lenders, not one bank’s rate card.
Home, investment & commercialA range of loan types, not just one product.
YBR Inner MelbourneCredit Representative of Yellow Brick Road Finance, ACL 393195.
Beyond home loans
One broker for all of it
Home, business, commercial and equipment finance, handled by the same person from first chat to settlement.
Self-employed and business finance
Low doc home loans assessed on your BAS or accountant’s declaration, plus finance to help business cash flow.
Start my check
Equipment and asset finance
Finance for tools, equipment, vehicles and other business assets.
Book a free call
Commercial property finance
Buying, refinancing or developing commercial property, and investment lending.
Start my check
Debt consolidation
Bring your debts together into one repayment. Ask whether it could suit your situation.
Ask me how
Refinance your home loan
Compare lenders and see what a different loan could mean for you, free in about a minute.
Try the calculatorGeneral information only, not credit advice. All finance is subject to lender credit criteria and eligibility, and debt consolidation can increase the total interest paid over time.
No email needed
Free guides
Download straight away. No sign up and no calculator needed.
Is Refinancing Worth It in 2026?
What actually changes lender to lender, and the break costs worth checking first.
Download PDF
Fixed vs Variable, Explained Plainly
A one page comparison built for the current rate cycle, not a textbook.
Download PDF
The Switching Checklist
Discharge forms, break costs and timing: what to line up before you move.
Download PDF
Thinking of Buying Your First Home?
A step by step guide to deposits, loan types, government support and settlement.
Download PDF
The Bank of Mum and Dad
How family can help you buy sooner, and the smart, safe ways to do it.
Download PDFVerified, not written by us
5.0 on Google
Real reviews from YBR Inner Melbourne’s listing - see them all on Google Maps.
“From the very beginning, he was professional, responsive, and genuinely took the time to understand our situation and goals. We couldn’t be happier with the result.”
Milica Filipovic Google review · 8 months ago“Always available whenever I needed assistance - even during holidays and weekends. His guidance made the whole experience much smoother and less stressful.”
Dragana Radulj Google review · 4 months ago“Fantastic encounter with my broker Dragan.”
Sivagami Mathuray Google review · 6 weeks agoCommon questions
Refinancing and interest rate questions, answered
Straight answers to what home loan borrowers in Melbourne and across Australia ask most.
Is it worth refinancing my home loan?
It can be, and the biggest savings often come from how your loan is structured, not just the rate. Set up properly, a home loan may be paid off sooner and cost less in interest, depending on your situation. The simple test is whether the savings outweigh the one-off costs of switching. If it pays for itself within roughly 6 to 12 months, it’s usually worth a closer look. The Loan Savings Check above shows what could change on your own numbers, and a quick chat with me shows how it would work for you.
How much does it cost to refinance in Victoria?
On a typical variable-rate loan, all-up costs are often somewhere around $300 to $700: your current lender’s discharge fee, government registration fees, and sometimes an application or valuation fee (many lenders waive these). Break costs only apply if you’re on a fixed rate and leave before the term ends, and they can be substantial. Government fees vary by state and these figures are typical for Victoria, while lender fees vary too, so confirm the exact figures before you decide.
How long does refinancing take?
Typically around two to four weeks from application to settlement, though it can take longer if a valuation or extra documents are needed. Having your recent payslips, loan statements and ID ready speeds things up.
Will refinancing affect my credit score?
A loan application creates a credit enquiry on your credit file. One application usually has a small, temporary effect, but several applications to different lenders in a short time can add up, and each one stays on your file. That’s where a broker you can trust makes a real difference: they compare lenders for you and check your situation against each lender’s policy before anything is lodged, so you’re not applying blind and collecting enquiries or declines along the way. Getting the right lender and a clean application the first time matters more than most people expect.
Does refinancing reset my loan term?
It can, but it doesn’t have to. Some lenders default to a new term of up to 30 years, which lowers your repayment but can mean paying significantly more interest overall. A well-structured loan doesn’t need a 30-year term to work for you, and it can be paid off sooner. The calculator above shows what that could look like on your own numbers.
What’s the difference between the interest rate and the comparison rate?
The interest rate is what you’re charged on your balance. The comparison rate folds in most ongoing fees and charges on a standard loan (in Australia, $150,000 over 25 years), so it gives a fairer side-by-side view. It’s a useful guide, but it isn’t calculated on your loan, so features like an offset account are worth weighing separately.
Should I choose a fixed or variable interest rate?
It depends on what matters to you. Variable loans generally allow unlimited extra repayments and an offset account, and have no break cost. Fixed rates give repayment certainty for a set period, but often limit extra repayments and can carry break costs if you leave early. Many people split their loan to get some of each.
Do lenders always pass on Reserve Bank rate changes?
Not always, and not always in full or straight away. Each lender sets its own rates based on its own funding costs, so two lenders can charge quite different rates even when the RBA cash rate hasn’t moved. That gap is why comparing lenders can pay off even if nothing about your loan has changed.
How much equity do I need to refinance?
Lenders look at your loan-to-value ratio (LVR): your loan balance compared with your property’s value. Lenders often reserve their sharper rates for lower LVRs, and each lender draws that line differently. Higher LVRs can mean fewer options, and lenders mortgage insurance (LMI) may come into play. It’s worth checking where you stand before you apply.
What does a mortgage broker do when I refinance?
A broker compares lenders, helps you work out whether switching is actually worth it, prepares and lodges the application, and coordinates with both your current and new lender through to settlement. If you’d like to talk it through, you can book a free 15-minute call.
Are you a mortgage broker in Melbourne?
Yes. I’m Dragan Lazic at YBR Inner Melbourne, 358 Clarendon Street, South Melbourne. I help homeowners compare lenders and refinance their home loans right across Australia, in person in Melbourne and by phone and video everywhere else. You can call or text me on 0403 343 177.
General information only. It isn’t credit advice and doesn’t take your personal circumstances into account. Fees, timeframes and lender policies vary, so confirm the details for your own situation.