How long does it take to get a mortgage? Could you refinance by end of 2020? | UNOns

UNO home loans

Want to know how long refinancing your home will take? Curious to know if you could get it done by the end of 2020? Find out more at the UNO website.

What is the process for refinancing a home loan? How long does it take to refinance my home loan?

The refinancing process is similar to what happens when you apply for any new home loan. The main difference is the settlement date and loan details are more flexible because you aren't tied to a property transfer. This means many of the details can be locked in pretty quickly and at a time that best suits you.

We have a quick and easy 3-step process to help you get ready to refinance.

Get the documents you’ll need to verify your income, expenses and liabilities ready

Make a list of your assets, and their current value

Find the right deal, and apply

home loans from digital lenders are a popular option for home buyers looking for an alternative to traditional banks. Digital lenders such as 86 400 can offer a home loan up to 6 times faster than the Big 4 banks.

How? They offer unconditional approvals in under 24 hours for completed applications, electronic ID checks, electronic income and expense verification and all loan documents are issued and signed electronically. Now might be the time to consider a digital lender.

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Tips and Tricks to Maximise Your Home Loan (Without Refinancing or Stress)

If you already have a mortgage, you can save tens, or even hundreds of thousands of dollars without refinancing or buying another property. By optimising loan structure, using offset accounts correctly, automating repayments, and applying smart credit card strategies, homeowners can shorten loan terms by years and dramatically reduce interest. This guide breaks down proven, broker-backed strategies explained by Vincent Turner and mortgage broker Jake de Ruyter.

Ingenious new product to help people with low or no deposit to buy a home

Discover an alternative to mortgage insurance with Own Home. By providing a loan to cover the balance of your deposit, Own Home allows you to avoid paying lenders mortgage insurance. This option is especially beneficial for first-time homebuyers who may not have a 20% deposit. With Own Home, you can buy a home sooner, potentially saving money as property prices rise. Plus, they provide a buyer's agent to assist you in finding the perfect property. Unlock cheaper interest rates and make your homeownership dreams a reality with Own Home.

The Definitive Guide to Refinancing

Everything you might want to know or consider around refinancing including why, how, doing it well (and badly), the process and more. Completely free, no sign up required to access this guide.

TESTIMONIALS

What our customers are saying

Desert Rose

February 4, 2026

I reached out to Mike Parsons and he was knowledgeable, tailored his advice to my specific situation and offered options which were aligned with my goals. Above all he was understanding and professional.The whole process was smooth and stress-free. Mike offered exceptional service and kept me updated throughout the whole approval process.

Mac

February 4, 2026

I highly recommend Mike Parsons from Uno Home Loans. He is a clear, patient communicator who made the complex loan application and settlement process easy to understand. Mike is very thorough and reassuringly meticulous with documentation. He was generous with his time, always prompt with answers, and handled multiple applications and extensions for us seamlessly, while giving useful advice on loan options along the way, even if it meant more work for him. Most importantly, Mike secured us a great loan when other brokers couldn't. I’ve already recommended him to friends and will continue to do so. The best broker I have used out of the several i have interacted with.

Christian Hartwig

January 28, 2026

Worked with 4 brokers now, 2 from uno one two with lendi. Uno is best, and jake is the best from uno. <3

Shona Vetenibua

January 5, 2026

We can’t recommend Paul highly enough. He truly went above and beyond for us and made what could have been a stressful process feel simple and manageable. Paul’s communication was clear and honest from the start. He was straight up about everything, provided us with a clear list of what we needed to supply, and then took care of the rest. He was transparent throughout the entire process and always took the time to answer our questions — no matter how big or small. As first-home buyers purchasing in a new country, we were nervous going in, but Paul made the whole experience easy and reassuring. We felt supported every step of the way and genuinely appreciated his professionalism and guidance. Very appreciative of everything Paul did for us — we couldn’t have done it without him.

Miten Chauhan

December 31, 2025

We had the pleasure of working with Paul Davey to secure a home loan for our first home. Paul was extremely knowledgable and helped make the entire journey of securing a property in Australia a breeze. We can't thank you enough for everything you did Paul, you are a true legend. Thank you very much! We'll be back for our next property.

Jamal Miller

December 29, 2025

Mike was recommended to us by a friend and exceeded expectations. He was extremely informative, patient, and flexible, and made our first home purchase a smooth experience. Beyond securing a great rate, the real value was how he managed all communication between solicitors, lenders, and other parties. This made settlement seamless and was incredibly helpful for us as time-poor buyers. Highly recommend.

Tutana Outram

December 20, 2025

Jesse provided exceptional guidance throughout our refinance, home sale, new purchase, and the construction loan for our family home. His professionalism, clear communication, and attention to detail made every stage of the process seamless. Highly recommended.

Stephen Hutchinson

December 18, 2025

We would like to thank Scott Wilkinson for all of his help refinancing our home loan. The service was excellent. Highly recommend Scott and UNO.

Alice V

December 5, 2025

great experience - very supported throughout the whole mortgage arrangement process

Cassie Ninness

December 1, 2025

Jake was fantastic when refinancing our home loan. The whole process was made so easy by Jake who had a lot of knowledge, was attentive and kept us well informed through the whole process. Such an easy and positive experience and I would recommend him and his services to anyone.

Kobe Ferguson

November 29, 2025

I had the absolute pleasure of working with Jake de Ruyter on our home loan application, and I couldn’t recommend him highly enough to anyone looking to finance a new home. From his lightning-fast response times to his extensive knowledge across every stage of the process, Jake has been a breath of fresh air during what can be a very stressful period. He made sure we understood each step clearly and took the time to explain anything we weren’t familiar with in a way that genuinely made sense. Jake went above and beyond to find the best option for our specific situation, and his dedication has truly set him apart. We will absolutely be using Jake for all future finance needs. Highly recommended

Riley Nicoll

November 29, 2025

My partner and I have just bought our first home and Jake de Ruyter helped us arrange our finance. Jake was an absolute pleasure to deal with. He made the process smooth, stress-free, and straight-forward. He displayed professionalism and open communication throughout the process and was quick to act on every piece of correspondence. We are so happy and will 100% be doing all our future finance through Jake.

How long does it take to get a mortgage? Could you refinance by end of 2020? | UNOns

UNO home loans

Try Plans by UNO

Related Articles

Tips and Tricks to Maximise Your Home Loan (Without Refinancing or Stress)

Ingenious new product to help people with low or no deposit to buy a home

The Definitive Guide to Refinancing

What our customers are saying