Unlock Your Savings Now
Still on a Keystart Home Loan? Youâre Paying More Than You Should.
Make the Move to a Major Lender, Get a Better Rate, Save Monthly. Itâs Time to Stop Startingâand Start Winning.
Keystart loans are a great starting point â but they're not designed to be forever. If your financial situation has improved, you could qualify to refinance to a major lender with a lower interest rate, more flexible features, and a chance to improve your cashflow significantly.
No obligations ⢠100% Confidential
Why Refinance From Keystart?
Discover the advantages of upgrading to a major lender
Lower Interest Rates
Major banks are offering rates well below Keystart's variable rate.
Save thousands annually
Improve Your Cashflow
Reduce your monthly repayments and keep more in your pocket.
More money each month
Access Banking Features
Offset accounts, redraw facilities, fixed options & more.
Premium banking benefits
No LMI if You Have Enough Equity
You may avoid lenders mortgage insurance altogether.
Save on insurance costs
Tailored Support from a Lending Specialist
We handle the paperwork. You get peace of mind.
Expert guidance included
Improved Borrowing Power
With improved equity and better rates, you may:
Borrow for renovations
Invest in property
Or consolidate debts
Keystart is a Transitional Lender
Keystart is designed to help you enter the property market â not stay there forever. If you've built some equity and your income has stabilised, you've likely outgrown your Keystart loan. Let us help you take the next step in your financial journey.
How We've Helped Western Australians Unlock Cashflow
Real stories from real people who made the switch from Keystart
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Saving $480/month
"We were hesitant to leave Keystart, but Fintrinsic made the process so smooth. Now we're saving nearly $500 a month and have access to an offset account. Our cashflow has never been better!"
Sarah & Michael Thompson
Perth, WA
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Saving $350/month
"After 3 years with Keystart, I thought I was stuck. Fintrinsic showed me I could refinance to a major bank with a 1.2% lower rate. The extra cashflow is helping us save for our next investment property."
David Chen
Joondalup, WA
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Saving $620/month
"I couldn't believe how much I was overpaying with Keystart. The team at Fintrinsic handled everything - I just signed the papers. Now I have an extra $620 every month for my family."
Emma Rodriguez
Rockingham, WA
Estimate Your Savings
See how much better off you could be. Our refinance experts will compare
your current loan against the market and show you how much you could
save each month.
Why Choose Fintrinsic for Your Keystart Refinance?
When it comes to refinancing a Keystart loan, experience matters and no one knows the process better than Fintrinsic.
Weâve helped hundreds of Australians successfully refinance from Keystart to major lenders, unlocking thousands in annual savings and giving them true financial breathing room.
We Know Keystart Inside Out
We specialise in Keystart loan transitions. Our brokers understand the unique structure, equity thresholds, and timing strategies required to help you refinance at the right moment â with no surprises and no missteps.
Personalised, End-to-End Support
We donât just find you a lender â we manage the entire process, from loan comparison to paperwork to settlement. You're never left wondering whatâs next.
Transparent, Data-Driven Advice
We run real market comparisons, explain your refinance potential in plain English, and only recommend options that genuinely improve your position. No fluff, no jargon.
5-Star Rated, Trusted Nationwide
With hundreds of happy clients and glowing reviews, Fintrinsic is trusted by Aussie homeowners whoâve outgrown Keystart and want to take the next step with confidence.
Our Results Speak for Themselves
Weâve helped clients save $300 to $800+ per month, refinance without paying LMI, and secure better loan features â all with zero upfront cost.
Refinance with the experts who specialise in Keystart exits.
Get Your Free Refinance Assessment
Take the first step towards better cashflow. Our experts will analyze your
situation and show you exactly how much you could save.
5-Star Google Reviews
Trusted by hundreds of satisfied customers
ASIC-Licensed Brokers
Fully licensed and regulated professionals
100% Confidential
No obligations, completely confidential service.
Still Have Questions?
Call us directly to speak with a refinance expert today.
Frequently Asked Questions
What does it mean to upgrade from a Keystart loan?
Upgrading means refinancing your current Keystart loan with a mainstream lenderâoften resulting in lower interest rates, better loan features, and improved cash flow.
Am I eligible to refinance?
Most clients qualify once theyâve built some equity in their home and have a stable income. We'll do a quick, obligation-free check to confirm your eligibilityâwithout affecting your credit score.
How much could I save by refinancing?
It varies, but many clients reduce their repayments and save thousands in interest over time. We'll calculate your potential savings during your free consultation.
Will checking my options hurt my credit score?
No. Our initial pre-assessment uses a soft credit check that has no impact on your credit score. A formal credit check only happens if you decide to proceed with an application.
How long does the process take?
Most refinances are completed in 2â4 weeks. We handle the paperwork and keep things moving, so you don't have to chase banks or brokers.
Is the consultation really free?
Yes. Your consultation is 100% free, with no pressure or obligation. Itâs simply a chance to see if upgrading makes financial sense for you.
What if I have other debts or late repayments?
We specialise in working with real peopleâincluding those with credit issues or complex finances. We'll help you understand your options without judgment.
Why go through you instead of directly to a bank?
We compare options across multiple lenders to find the best fit for your goals. Banks only offer their own productsâwe act in your best interest
