If you’re struggling with your loans or would simply like to save on repayments, refinancing may be the perfect solution.
Some people think organising refinance is too difficult to bother, but the award-winning team at Viking Mortgages take the hassle out of refinancing.
Don’t stay stuck with outdated interest rates or a loan that isn’t working, when we can help you get a better deal.

Refinancing options from Viking Mortgages can save you time, stress and most importantly, money!

Why refinance your loans?

There are many great reasons to think about refinancing. Often, it makes financial sense to do so

Perhaps you got your mortgage when interest rates were higher, or a car loan from a finance company charging exorbitant rates.  You don’t have to continue paying more than you need to. And you don’t need to feel trapped in a loan until you’ve paid it off.

At Viking Mortgages, we can help refinance your loans, so you can have peace of mind and start working towards your financial goals.

Low Rates

Lower interest rates

Getting a better interest rate is one of the most common reasons people refinance loans. The experts at Viking Mortgages can help you navigate the complexities of refinancing, such as offsetting the benefits of lower interest rates against possible fees and charges.

We’ll take the confusion and stress out of refinancing by doing the math for you, to ensure you’ll be better off in the long term.


Greater flexibility

People choose loans for many reasons, and sometimes don’t understand the fine print until it’s too late. For example, you might decide you need a redraw facility, but your home loan doesn’t offer that option.

Refinancing your loan is a way of getting the flexibility you need. With our large range of lenders offering a huge variety of loan products, Viking Mortgages can find the ideal refinancing option for you – without the hard work.

Free Equity

Freeing up home equity

With the rising value of property, many people’s homes are now worth much more than they were at the time of purchase.

Refinancing your home loan and tapping into your home’s equity is a great way to release cash for various purposes.  Viking Mortgages can help you with guidance and information to free up home equity safely and securely.



For some people, their loans simply get out of hand. If you’ve got home, car, boat and business loans, for example, keeping track of repayments can be a nightmare.

In situations like this, consolidating your loans into one can save time, energy and money. Viking Mortgages can help with refinancing multiple loans into a single loan with terms that suit your needs.


Funding renovations

You only have to turn on the television to see the popularity of home renovations! Whether you’re renovating to add value, sell, or for your own lifestyle, Viking Mortgages can discuss refinancing options to ensure your renovations are affordable and financially wise.

We can also review your situation once renovations are finished, to make sure you’re getting the best deal on your loans.

Changed Circumstances

Managing changed circumstances

The team at Viking Mortgages often see people who need to refinance due to changed circumstances, such as job and relationship changes or the addition of a new family member.

Having had several major life experiences herself, Ditte understands how stressful they can be and is able to guide people through this process with empathy and expertise

If you need to refinance due to a major life change, we are happy to help you. Our refinancing experts will consider your needs and situation to find the best way forward in your new circumstances.

Avoid Defaulting

Avoid defaulting

Sometimes, people discover they have borrowed more than they can comfortably repay, which puts them at risk of defaulting.

There’s no need to be embarrassed about it, but it’s important to do something as soon as you can. Speak to Viking Mortgages about refinancing to help make your loan repayments more manageable and protect your credit rating.

Talk to Viking Mortgages and discover how easy refinancing can be


Refinancing can be confusing and taxing if you try doing it on your own. At Viking Mortgages, we take the difficulty out of refinance by doing the math for you.
We’ve been through the process innumerable times and have relationships with multiple lenders.

At no cost to you, we’ll help you through the tangle of paperwork and compliance.


With relationships with more than 30 lenders, Viking Mortgages can give you more options to choose from.
Our industry knowledge and experience mean Viking Mortgages can recommend refinancing that meets your personal needs and circumstances.

Usually, we can negotiate a better deal than you could get doing it yourself.

Personal service

Viking Mortgages are committed to exceptional standards, with our customer service being recognised with several awards. Viking Mortgages’ owner Ditte Moller knows great service is crucial to our success.

Many of our customers come to us through recommendations from their family or friends.

No cost

Working with Viking Mortgages won’t cost you anything. Our income is derived from the commissions we receive from lenders.
This means getting you the right finance is in everyone’s best interests!

We’ll follow up lenders on your behalf to make the entire process as easy as possible for you.

Here's What Our Clients Have To Say About Us

  • positive review  Ditte is Fantastic. She will sit down with you and have a discussion about where you stand without costing you anything. Awesome customer service!

    Matthew Hooper Avatar Matthew Hooper
    November 10, 2017
  • 5 star review  Ditte has been excellent at reorganizing or home loan. She has always replied promptly to any queries. I would highly recommend her for your mortgage needs. Thanks

    David Bruce Treagus Avatar David Bruce Treagus
    February 13, 2018
  • 5 star review  Ditte can find you the loan when others can't. She is great. Not sure if you are ready to buy or can even qualify? Talk to Ditte, she can have a look and let you know where you're at and it costs you nothing!

    Travis Davis Avatar Travis Davis
    November 9, 2017
  • 5 star review  Ditte very quickly and competently organised a business loan for a vehicle. And the best thing is that I am fully confident I have the best loan possible for my situation. Thanks Ditte

    Julie Dare Avatar Julie Dare
    February 13, 2018
  • positive review  Ditte from Viking Mortgages is an absolute pleasure to have as our mortgage broker for our home loan. As our first time going through the home loan process - Ditte has been so helpful beyond words and extremely professional. If you need any finance help - Ditte is definitely 100% the person to see. Thank you so much for your help Ditte ????

    Ellesha Michie Avatar Ellesha Michie
    June 4, 2020
  • positive review  Ditte, Thank you for the fantastic advice; you made my day to a much better one. I will keep you up to date and looking forward to seeing you soon. Ditte you are one of a kind. Many thanks again, Katarina

    Katarina Lundmark Avatar Katarina Lundmark
    May 16, 2019
  • 5 star review  Ditte is excellent at finding the mortgage that fits your situation best (the ones the banks either don't have or won't tell you about) - Thanks Ditte

    Trevor Montgomery Avatar Trevor Montgomery
    November 8, 2017
  • 5 star review  Why deal with the banks & get treated as a number... Ditta goes that extra mile & you will feel that some one cares and never feel like that your just a number... Ditta will get that deal for you...

    Craig Morrison Avatar Craig Morrison
    November 14, 2017
  • 5 star review  Ditte really takes the time to understand what you are wanting to achieve and then supports you through the whole journey.

    Rita Krause Avatar Rita Krause
    November 8, 2017
  • positive review  Ditte IS the local mortgage and finance expert. I had the opportunity to attend one of her free information sessions on buying your own home. Ditte is generous with her time and expertise. She is committed to helping those she works with. After multiple discussions, I feel informed and clear as to what expect. When it is time to buy my first home, Ditte is the only person I plan to reach out too for financing. Thanks Ditte!

    Luke J Hawley Avatar Luke J Hawley
    October 23, 2019

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Here’s What Our Industry Has To Say About Us

Customer Service AwardRegional Finance Broker AwardCommunity Champion AwardViking Mortgages - Winner The Adviser Austrialian Broking Awards Newcomer of the Year RegionalViking Mortgages - The Adviser Australian Broking Awards 2018 Customer Service of the Year IndividualViking Mortgages - The Adviser Better Business Awards 2019 Best Community Engagement Program

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