Refinance your home loan with clarity, respect, and a structure that actually suits how you earn today.
Your home is likely your biggest financial commitment. And if your income isn’t straightforward, your mortgage may no longer reflect your reality.
Whether your income has changed, your priorities have shifted, or your current loan just doesn’t feel right anymore, refinancing can be a way to reset — not a gamble.
At Spicy Finance, we help people with non-traditional income refinance with confidence, discretion, and long-term thinking.
This isn’t about chasing the lowest rate at any cost.
It’s about creating a loan that works for your life now.
Many people refinance because their mortgage no longer feels sustainable — not because they’ve done anything wrong.
Changes in income, interest rates, or living costs can quietly turn a manageable loan into a source of stress.
Refinancing may help you:
Reduce monthly repayments
Improve cashflow and flexibility
Consolidate debts where appropriate
Align your loan with how you earn now
We’ll help you understand whether refinancing actually makes sense — before you commit to anything.
First Year Savings
Total Interest Saved
Monthly Savings
Life changes — and your home loan should be able to adapt with it.
If your income fluctuates, your industry evolves, or your priorities shift, the right refinance structure can help protect your position rather than lock you in.
We take future-proofing seriously, helping you choose options that balance stability, flexibility, and long-term sustainability.
This is about resilience — not short-term wins.
Comprehensive guidance throughout your refinancing journey.
We break down your options in plain language so you understand what you’re choosing.
We compare lenders based on policy fit not just headline rates.
From assessment to settlement, we manage the process carefully and discreetly.
We consider how today’s refinance affects your future options.
We help align repayments, features, and flexibility with how you actually earn.
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Because your circumstances change — and loans don’t automatically keep up.
That’s completely fine. Refinancing doesn’t have to involve borrowing more.
Yes. We support clients Australia-wide.
Timelines vary. We’ll give you a realistic expectation upfront.
We compare multiple lenders and structure applications properly — saving time and stress.
That depends on your income stability and future plans. We’ll explain the trade-offs clearly.
In some cases, yes. We’ll help you assess whether that’s appropriate for you.
If you’re unsure whether refinancing makes sense right now, a financial health check can help you understand your position and options.
No pressure.
No assumptions.
Just clarity.
