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

Nicholas Violaris

April 14, 2025

Can not recommend UNO Home Loans enough, Scott Wilkinson and his team have helped us get a home loan in no time and they have been a breeze to deal with, great job guys, looking forward to working together more in the future

Lahnie Cooper

March 26, 2025

Jake Wood was a pleasure to work with and made this process extremely easy for me! I highly recommend Jake and the team at Uno.

Daniel Demosthenous

March 18, 2025

The team at UNO were absolutely fantastic at helping me set up and organise my new property purchase, Andrew answered all my questions promptly and went over and beyond to reassure me at any stage with his abundance of knowledge of the matter, also a big thank you to Dalby and Jena for helping with the process as well.

Sheree Tidswell

February 20, 2025

Scott Wilkinson and the team at Uno Mortgages were exceptional to work with. They were proactive, took the initiative at every stage, and kept us well-informed throughout the process. Their patience and relaxed approach made everything feel seamless, and we truly felt supported in achieving the best outcome for our needs. We highly recommend Scott and the Uno team for their professionalism and dedication!

Jaio Seto

February 19, 2025

Paul is great to deal with, he made the whole process super easy!

Ankur

February 12, 2025

Shelley and the team at UNO Home Loans have been amazing to deal with. The process has been very smooth. I would highly recommend their expertise.

Rich N

February 6, 2025

Mike Parsons was so good. He went in to bat for us with the bank and the valuers and everything went smoothly, eventually!! - One is always waiting for banks it seems... Mike gave us clear and concise information and time-frames during the whole process and was super friendly and way to deal with. Highly recommend Uno and Mike.

Baron Wills

January 21, 2025

Scott was referred by a mate of mine whom I've known for years back in Novemberof 2024. Shared my goals and what my ideal outcomes were and had one of the quickest and easiest turnarounds I've ever experienced thanks to Scott. He was easy to work with with allowed me to go at my own pace. When I had questions Scott took the time to help me understand in a way that made sense to me. We finalised our transactions a month later and settlement couldn't have been more easier. Thank you Scott and his amazing team at Uno home loans. I highly recommend and will be looking to partner with Scott and his team again on my next investment loan.

Theresa Liebenberg

January 15, 2025

Paul Davey was our mortgage broker for the purchase of our first home in Australia. We were very anxious about purchasing a home less than one year in the country. Paul's initial consultation was great and we did not even consider any other avenues. Right through the process, he kept us informed and utilised whatever additional expertise from Uno to get us an approved mortgage. Straightforward and efficient! We highly recommend Paul and Uno for the purchase of your new home. Theresa and Johan

Mark

January 10, 2025

We were recently approved for finance with Scott Wilkinson at UNO Home Loams. Scott was friendly and professional the whole way through the process and obtained the finance for us when many others had said they wouldn’t be able to. Thanks to Scott we were able to get everything done and settled in quite a short amount of time considering the complexity of the deal. We knew where we stood the whole way and no details were hidden or forgotten . Thanks Scott you are highly recommended by myself and my Wife.

Lise Ioane

December 30, 2024

Paul Davey and the team were amazing! As Kiwi's who have moved to Australia I wanted to use someone back home or who had experience with helping FHB in Australia. Paul answered all of our questions in a timely manner and helped us to secure the home loan and move into our new home. We had a few meetings with Paul and he did all the the work so us, we just filled in the required paperwork and he and the team did the rest. We dealt with Dalby for the last part of the process and he was also amazing! Highly recommend Paul and the team! Thanks Paul, Dalby and the team and UNO Home Loans.

Neil Venkataramiah

December 20, 2024

Mike Parsons: Working with Mike was amazing. My wife and I were a couple from Sydney that had a 7 year stint overseas. On moving back, our loan had gone from Interest Only to Principal and Interest. The challenge: to get 2 recently re-patriated Aussies on an Interest Only loan. With only 1 year of Oz financials. And with income from an overseas company. We had equity in our property, but the ability to service was the issue. A very tough brief. Step in Mike. He contacted all his lenders, knowing that this was a unique situation. He never let up and followed through with calls and whatsapps at every stage of the process. We simply could not have got our Interest Only loan if it wasn’t for Mike. I highly recommend Mike for any loan or re-finance that you’re looking at. His attention to detail and ability to find creative solutions is second to none. And most importantly - he's a good guy that will guide you through the whole process in what can be a stressful time. Steph and Neil

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

UNO home loans

Try Plans by UNO

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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