Your bank may not move you to a better rate automatically
A loan review can help you check your current rate, repayments, remaining loan term, loan structure, property value, rental income, fixed-rate expiry date, fees and future investment goals.
Review your investment loan before it costs you.
Whether your rate has crept up, your fixed term is ending, or you want to use equity more deliberately, Zebra and MoneyCloud can help you review the numbers before pressure builds.
No pressure. No obligation. Checking your options won't affect your credit score.
Review focus Rate, structure, equity and cash flow
Loan pathway Refinance, restructure or stay put with clarity
Broker support 40+ lenders compared through MoneyCloud
Landlord review Fast, structured, finance-led assessment
What we offer
Home loan support, backed by Zebra.
Refinancing is about fit, not just the lowest rate
A good refinance should help you hold the property more comfortably, improve your financial position and support your broader investment strategy.
Review before pressure builds
Even if you do not refinance immediately, a review can show whether your current loan is still working for you before cash flow, fixed-rate expiry, or investment plans force a rushed decision.
Your path to better financing
A streamlined process designed specifically for landlords looking to optimise their investment portfolio.
Rate creep
Your lender may not automatically move you to a sharper rate, even when better options exist elsewhere.
Fixed-rate expiry
A review before expiry gives you time to compare options instead of accepting a rushed rollover rate.
Cash-flow pressure
Repayments, rent, fees and expenses can shift. A loan review helps you see whether the structure still fits.
Equity sitting idle
If property value has moved, usable equity may support renovations, repairs, debt restructure or another purchase.
The Process
From application to approved
01
Share the loan basics
Start with the property, loan and goal details MoneyCloud needs to understand your current position.
02
Review rate and structure
A broker checks your current rate, repayments, loan structure, equity position and lender options.
03
Compare practical pathways
You can see whether to refinance, restructure, prepare for expiry, access equity or stay with clarity.
04
Keep monitoring the loan
MoneyCloud can keep watching the market so future rate changes or opportunities are easier to catch.
Why Zebra and MoneyCloud
A trusted partner, not just a referral.
A trusted partner, not just a referral.
We've partnered with MoneyCloud because they share our commitment to clarity and service. This isn't a referral program, they're a partner who look after their clients the way we do ours.
Fast application
Go from 'just looking' to application-ready in under an hour. No paperwork, no back-and-forth.
Experienced brokers
At the right time, you'll have your own qualified mortgage broker and team supporting you the whole way.
Quarterly loan reviews
MoneyCloud watches the market for you. If a better rate appears, you'll know about it automatically.
Independent & unbiased
Like us, MoneyCloud is independently owned. They compare the whole market, not just the big banks.
Common questions
Clear answers before you take the next step.
Why should landlords consider refinancing?
Refinancing can help reduce repayments, access equity, restructure debt, improve cash flow, consolidate loans, fund renovations or prepare for another investment purchase. The goal is to make sure the loan still suits the property, the landlord's financial position and their long-term investment strategy.
What should I do before refinancing?
Start with a full loan review. Check your current rate, repayments, remaining loan term, loan structure, property value, rental income, fixed-rate expiry date, fees and future investment goals.
Will my rental income help me refinance?
Yes, rental income is usually included when lenders assess your application, although they may not use 100% of it. Lenders also consider your personal income, expenses, existing debts, loan repayments, credit history and overall borrowing capacity.
When is the right time to refinance an investment property?
A useful time to review is when your fixed rate is ending, your interest rate has become uncompetitive, your property value has increased, your rent has changed, your cash flow is under pressure, or you are planning to buy, renovate or sell.
Can I access equity from my investment property?
Possibly. If your property has increased in value and your loan balance has reduced, you may be able to access equity for another property purchase, renovations, repairs, deposits, business investment or debt restructuring.
Can I refinance to renovate my rental property?
Yes, if you have enough equity and borrowing capacity. Many landlords refinance to fund repairs, upgrades, extensions or improvements that may increase rent, improve tenant appeal or lift long-term property value.
Ready when you are
Start my loan review
No pressure. No obligation. Checking your options won't affect your credit score.