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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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.

Refinance with around 10 mins of effort

TESTIMONIALS

What our customers are saying

Wayne Simmonds

October 22, 2025

Great service, super responsive and Mike saved us hundreds of dollars by helping us switch to a great new rate. 100% recommend.

Jonathon Tanner

October 20, 2025

If only we could leave 10 stars... We've worked with Scott Wilkinson from Uno on the purchase of our principal place of residence, as well as a recently completed investment property. Scott was excellent throughout the entire process. He's got great communication, works incredibly hard and did everything he could to negotiate us the best deal. As business owners, the investment property was particularly complex and tricky to navigate. Scott helped us from start to finish and ensured we could maximise our borrowing capacity as well as secure a competitive rate. We've got nothing but amazing things to say about the guy and would highly recommend him to anyone considering buying property.

Gabe Windsor

October 18, 2025

Mike Parsons at UNO is absolutely fantastic to work with. He makes the entire home loan and refinancing process so easy and stress-free. Mike is incredibly responsive, proactive with follow-ups, and always goes the extra mile to make sure everything runs smoothly. He takes on all the heavy lifting and explains things clearly every step of the way. A great communicator who genuinely cares about getting the best outcome for his clients. Mike is my go-to mortgage broker, and I’ll continue to use his services for years to come. Highly recommend!

Kirstie Jenner

October 9, 2025

I honestly couldn’t recommend Paul Davey from Uno enough. He went above and beyond to get my pre-approval sorted, even with my tricky circumstances. He guided me through the whole process right through to settlement day and made everything so easy and stress-free. If you need a mortgage broker who actually cares and knows their stuff, he’s the one to call! Epic Service!

Pensive “Li” Pen

September 9, 2025

10/10 Stars Fantastic experience with Mike Parsons (and his team). Mike was quick to respond, explained everything clearly, and secured us a great rate with cashback. The whole refinance process was smooth and stress-free. Mike went above and beyond for us and exceeded all my expectations. 10 out of 10 Stars. Highly recommend!

I B

August 31, 2025

Great experience buying my first home with Mike Parsons and his team. He made the process simple and stress-free, explained everything in great detail along the way and helped me get a great deal. Highly recommend!

Eden Harris

August 20, 2025

Paul was awesome and handled my 1000 questions and follow ups like a pro. Happy with our home and loan :)

Liam Johnson

August 9, 2025

Fantastic service and great outcome. I have used Scott Wilkinson twice (initial finance and a subsequent refinance) and have found him to be responsive, reliable and knowledgeable - secured me a circa 1% rate reduction with minimal work involved from my end. Highly recommend.

Birgit-Katja

August 7, 2025

What a smooth, hassle free and stress free refinance with Jake. He took a very complicated loan from one bank to the other and not only saved us a lot of money but we basically also didn’t have to lift a finger in the entire process (apart from the basic paperwork needed). I am extremely impressed with Jakes knowledge and how he was able to answer questions and explain complications. Thank you Jake and the entire staff at UNO :)

Justin Butcher

July 28, 2025

PROFESSIONALISM PLUS Jake was very helpful in helping us achieve our dream. He is a very professional and informative person who goes out of his way to help his clients through a stressful time whilst making the whole process seamless. On top of this he can also help get better Insurances and is happy to assist where he can. We would absolutely recommend choosing Jake to help you! Thanks for everything it was a pleasure dealing with you.

Aurora Tang

July 21, 2025

Had a fantastic experience with Paul. He was knowledgeable, responsive, and made the whole process smooth and stress-free. Highly recommended.

Just Abby

July 18, 2025

My dealings with Scott Wilkinson at UNO, have been nothing short of exemplary. My refinance involved a bunch of moving parts due to a business debt, and Scott didn't stop until we got an excellent result! Great communication, easy online portals for data collection and, from all accounts, a great team working together to get results for their clients. I really can't thank Scott enough, for going the extra mile(s) to make this happen for me. 10/10 would recommend his services to anyone looking at a restructure, and I won't hesitate to reach out again, should I be in the position in the future.

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

UNO home loans

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

The Definitive Guide to Refinancing

Refinance with around 10 mins of effort

What our customers are saying