Escape The Mortgage Prison
Refinance based on your repayment history — not your income.
Check your eligibility and book a free strategy call to see how much you could save on repayments or how quickly you can pay off your home.
Your Free Strategy Call Includes:
For typical Brisbane house prices and loan sizes.
For higher loan balances common in Sydney.
Showing options for typical Melbourne borrowers.
Balancing lifestyle, commuting and investment goals.
For borrowers planning upgrades or lifestyle shifts.
For Newcastle and Hunter borrowers.
Want to know if you qualify for a Zeus Streamlined Refinance?
Answer a few quick questions and we'll be in touch with a clear picture of your options.
Takes 30 seconds · No credit check · No obligation
"James made this process simple and straightforward — easier than dealing directly with the bank. From our first call to loan completion, he stepped us through every stage and kept us in the loop the whole way."
Zeus vs full-assessment refinance – which path fits you?
Zeus Streamlined Refinance is a simplified home loan refinance option designed for borrowers with strong repayment history. Both options compare lenders and structures. The difference is how much detail we need up-front, how flexible the policy can be, and how quickly the lender can make a decision.
Zeus Streamlined Refinance
Best for: straightforward situations where you mainly want a sharper rate and cleaner structure.
- PAYG, Self-Employed, Companies, Trusts, Partnerships
- Loan conduct has been strong over the last 12 months and Credit Score is above 600
- Limited changes to borrowing amount or overall strategy
- Who have failed servicablily assessment with current income
- Refinance repayments and interest rate must lower your current lender
Great when: you just want your home loan working harder without turning your finances upside down.
Full Credit-Assessment Refinance
Best for: more complex scenarios that need extra flexibility or exceptions.
- PAYG and Self-employed high income with stable earnings
- Multiple properties, trusts or company structures involved
- Larger equity release, debt consolidation or new investment plans
- Recent credit issues that need explanation and supporting documents
- More lender options and policy choices, but usually slower to process
Great when: you want to reshape your overall strategy, not just switch to a better rate.
Not sure which path is right for you? We’ll start with a quick eligibility check and then recommend the option that balances speed, flexibility and long-term benefits for your situation.
Why Homeowners Choose This Option
- No income or serviceability test
- Approvals based on repayment conduct and credit score (≥ 600)
- Fast turnaround and minimal documentation
- Competitive variable rates and offset options
- Available for owner-occupied and investment loans up to 80 % LVR
A standard refinance can take weeks and requires full income documents. This option works differently. If you’ve been meeting your repayments, you may qualify based on your repayment history rather than your income.
Results vary by individual circumstances, but the process is designed to be fast and straightforward for eligible borrowers.
Basic Eligibility
- 12 + months perfect repayments on your current loan
- Equifax score of 600 or higher
- Loan-to-value ratio (LVR) ≤ 80 %
- Good overall credit conduct on all facilities
- Refinance must lower your rate and repayments
Applicants aged 55 + require an exit strategy in line with standard policy.
How It Compares to Standard Refinance
| Assessment Basis | Repayment conduct (no income test) |
| Maximum Loan-to-Value Ratio (LVR) | Up to 80 % (conditions apply) |
| Documentation Needed | Mortgage statements, rates notice, ID check |
| Turnaround Time | Faster than standard refinance assessment |
Product Features – Streamlined Refi Variable
| Interest Rate (Owner Occupied) | ~5.33% p.a.* |
| Interest Rate (Investment) | ~5.63% p.a.* |
| Maximum Loan Amounts |
$3,500,000 (Streamlined Refi applications) $1,500,000 (Rapid Refinance applications) Regional limits: $3m for ≤70% LVR and $2m for ≤80% LVR |
| Total Borrower Exposure | $10,000,000 |
| Interest Only Loading | +0.40% (max 5 years IO) |
| Minimum Loan Amount | $50,000 |
| Maximum Loan Term | 30 years |
| Acceptable Borrowers | PAYG, Self-Employed, Companies, Trusts, Partnerships |
| Application Fee | $0 |
| Annual Facility Fee | $250 |
| Repayments / Frequency |
Fortnightly: monthly ÷ 2 Weekly: monthly ÷ 4 Principal & Interest (weekly, fortnightly, monthly) Interest Only (monthly) |
| Extra Repayments | Unlimited |
| Rapid Refinance Settlement Fee | $300 |
| Cash Out | Max 3% of security value (cap $50,000) |
| Valuation Fee | $0 |
| Offset Facility | Yes – Up to 10 offset accounts available |
| Redraw | Yes |
| Visa Debit Card | Yes (Origin Mortgage Management Service branding) |
| Solicitor Documentation Fee | $275 + disbursements |
| Acceptable Securities | Residential property |
| Split Loans | Up to 4 splits allowed |
| Transaction Fees | $0 – unlimited transactions |
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*Rates depend on product and LVR tier , and policy subject to change without notice. Eligibility criteria and lender terms apply.
Client Story: Fast, Simple and Stress-Free
One homeowner came to us after their bank delayed a simple refinance for weeks. Through our streamlined process, we verified their repayment history, completed valuation checks and secured approval within days – without the usual income paperwork. They moved to a lower rate and cut their monthly repayments without the stress.
Results vary by individual circumstances, but the process is designed to be fast and straightforward for eligible borrowers.
Check Your Eligibility
It takes about a minute – no credit check.
Frequently Asked Questions
Do I really not need to show income documents?
Eligibility is based on repayment conduct and credit score rather than traditional income tests. Your new rate and repayment must be lower than your current loan.
Who can apply?
Homeowners with 12 + months of good repayment history and an Equifax score of 600 + may qualify. Owner-occupied and investment loans are both eligible (subject to LVR limits).
Is this refinance option available in my area?
Yes, it’s available across major metro areas including Brisbane, Sydney, Melbourne, Newcastle, Gold Coast and Sunshine Coast.
How long does approval take?
Once repayment history and valuation are confirmed, most approvals are completed in a few days.
Do I still need to provide bank statements?
Yes, the lender needs to confirm your repayment history.
What if my income has dropped?
This solution may still work if your repayment conduct is strong.
Important Information & Privacy
Credit provided by Origin Mortgage Management Services, a trading name of Columbus Capital Pty Ltd (ACN 119 531 252, Australian Credit Licence 337303). Your Home Loan Consultant is an authorised credit representative under LMG. Eligibility criteria, terms and conditions apply. This information is general in nature and does not take into account your personal objectives or financial situation. See our Privacy Policy and the Zeus Privacy Policy for details.
Ready to discuss your options? Give us a call now.