Time to Refinance

Time to Refinance Time to Refinance is a Specialist Mortgage Broker based on the Gold Coast solely focused on refinancing.

Having been in business now for over 22 years, we have assisted many clients over this time secure a better outcome.

The number one reason people don't look at their home loan? "I don't want the hassle of switching banks."Here's what mos...
26/05/2026

The number one reason people don't look at their home loan?
"I don't want the hassle of switching banks."

Here's what most people don't know — refinancing doesn't mean switching banks.

Sometimes I negotiate a better rate with your existing lender.
Sometimes I restructure the loan without moving it anywhere.
Sometimes your bank sharpens their rate just because I picked up the phone.
And sometimes, yes, moving makes sense. But that's your call — not mine.

My job is to show you the full picture. The good and the not-so-good. You decide what to do with it.

No forms upfront. No applications. No disruption. Just a clear conversation about where you stand and what's possible.

I've been in home loans since 2002. Access to 26+ lenders. First chat is always free.

👇 Feel free to send me a DM — no obligation, just a conversation.
🔗 www.timetorefinance.com.au
📞 0418 967 567

Rates just went up. Again.That quiet stomach-drop when the banking app loads. You felt it. Most people do — and most peo...
19/05/2026

Rates just went up. Again.

That quiet stomach-drop when the banking app loads. You felt it. Most people do — and most people don't do anything about it.

Here's the thing. Your rate going up doesn't mean you're stuck with it. It means now is exactly the right time to have someone actually look at your loan.

Not log in to pay it. Actually look at it.

I work with 26+ lenders. I've been doing this since 2002. And the first conversation is free — 30 minutes, no obligation, no switching banks if you don't want to.

If your loan hasn't been reviewed in the last couple of years, this is your sign.

👇 Feel free to send me a DM — no obligation, just a conversation.
🔗 www.timetorefinance.com.au
📞 0418 967 567

Your bank is open 9 to 5. I'm not.No hold music. No "next available appointment is three weeks away." No driving to a br...
30/04/2026

Your bank is open 9 to 5. I'm not.

No hold music. No "next available appointment is three weeks away." No driving to a branch on your lunch break.

We jump on a call when it works for you. I walk you through where you're at, what your options look like, and what I'd do if I were in your shoes.

No forms. No paperwork. First chat is just a conversation.

If you've been putting it off because it feels like too much effort — honestly, it's not. That's kind of the whole point.

Book a free 30-min chat at www.timetorefinance.com.au/contact

That leaking tap. The outdated splashback. The bench you've been meaning to replace since the kids were small.It's not t...
20/04/2026

That leaking tap. The outdated splashback. The bench you've been meaning to replace since the kids were small.
It's not that you don't want to fix it. It's that every time you look at the numbers, it doesn't quite add up.

Here's what most people don't realise — reviewing your home loan could free up the money to finally do it. Not by switching banks. Not by filling out a mountain of paperwork. Just by having the right conversation.

I've helped Gold Coast families access equity they didn't know they had. Sometimes it's a renovation. Sometimes it's just breathing room.
Either way — 30 minutes is all it takes to find out where you stand.

👇 First chat is free. No obligation.
🔗 www.timetorefinance.com.au/contact · 0418 967 567

Most Gold Coast families I talk to haven't touched theirs in 3 to 5 years. And in that time — rates have moved, their pr...
16/04/2026

Most Gold Coast families I talk to haven't touched theirs in 3 to 5 years. And in that time — rates have moved, their property has grown in value, their situation has changed.

The loan they set up back then was right for then. Not necessarily for now.

Your bank has one product to offer. Theirs. I access 26+ lenders and I'll show you what's actually out there — and I'll tell you honestly if your current loan is already a good one.

No forms upfront. No applications. Just a conversation about your numbers.

👇 DM me or book a free 30-min chat — no obligation.
🔗 www.timetorefinance.com.au/contact · 0418 967 567

PACKING LUNCHES & PAYING A MORTGAGE?That tiny pause before your banking app loads — hoping there’s enough to cover what’...
26/02/2026

PACKING LUNCHES & PAYING A MORTGAGE?

That tiny pause before your banking app loads — hoping there’s enough to cover what’s coming out.

• A surprise dental bill or the ongoing braces payment.
• Kids’ sport fees.
• Household bills all arriving at once.
• An unexpected vet visit.

You just want some breathing room.
And to get back to enjoying your life again.

Tell me your story.
Let’s see how I can help.

Head to the link below to book a 30 minute complimentary discussion today!
https://calendly.com/admin-ttrloans/30min

You’ve got two choices: do nothing or take action. If you do nothing, your lender will automatically switch you to their...
17/09/2024

You’ve got two choices: do nothing or take action.

If you do nothing, your lender will automatically switch you to their standard variable rate. But taking action to explore other deals that fit your unique needs could save you significant money in the long run!

Here’s what we recommend:
Step 1 – Check what your fixed rate will revert to.
Be proactive—ask your lender what rate you'll move to when your fixed term ends.

Step 2 – Explore your options
The earlier you start, the better prepared you'll be. Review your options now to stay ahead.

Step 3 – Choose the best option for you
Whether sticking with your current lender or switching, make sure your choice aligns with your long-term goals and individual needs.

Ready to take the next step? Book a complimentary chat with us today by visiting https://www.timetorefinance.com.au/contact🙋🏻‍♂️

5 Star Google Review! ⭐⭐⭐⭐⭐"Jason has been a critical part of our property adventure for over 25 years.He is a true trus...
17/09/2024

5 Star Google Review! ⭐⭐⭐⭐⭐

"Jason has been a critical part of our property adventure for over 25 years.
He is a true trusted advisor and always goes over and above to help us achieve our goals.
Jason is a fountain of Broking knowledge and takes the pain and stress out of financing (with a smile and a laugh).
Highly recommended him!!!" - Simone Ireland

Many of our clients are simply looking for a better interest rate when they come to us to look at home loan refinance op...
24/05/2024

Many of our clients are simply looking for a better interest rate when they come to us to look at home loan refinance options.

But with Jason’s experienced insight they soon discover, the new pool or boat they thought may have been out of reach, just may be possible with the right refinance broker on your side!

Get in touch with Time to Refinance today if you would like Jason to take a look at your situation and refinance options.

www.timetorefinance.com.au

Refinancing is more than just finding our clients a better rate!We truly love the relationships we build with our client...
23/05/2024

Refinancing is more than just finding our clients a better rate!
We truly love the relationships we build with our clients and see many coming back when it is time to renovate or purchase a new home. Refinancing your home loan can be life changing and we believe that sharing their positive experiences can inspire others to think outside the box when it comes to the possibilities refinancing could create for your future.

“Where do I start? We have been working with Jason for the last 15 years. He helped us secure our finances to purchase our first home, to refinance to renovate and we are now working with him to secure our forever home. Jason and his team go above and beyond to make your goals possible. He has a thorough knowledge of the financial market and is completely transparent and works with you to making sure you are not over extending yourself. He genuinely cares about making sure you are in the best financial position as well as supporting your goals. I highly recommend Jason and his team at Time to Refinance.”
Kristen Fuller, Google Review 5 Stars

Here are our Top 5 Reasons why you SHOULD refinance!1. Lower interest rate2. Obtain flexibility and certainty3. One simp...
22/05/2024

Here are our Top 5 Reasons why you SHOULD refinance!
1. Lower interest rate
2. Obtain flexibility and certainty
3. One simple repayment
4. Reduce monthly payment
5. Obtain cash out

Jason prides himself on finding personalised solutions, old school customer service and honest advice to ensure you get the most out of refinancing your home loan.

To explore if refinancing could be the perfect solution for you, your situation and goals, get intouch with us!

Address

PO Box 250, Biggera Waters QLD
Biggera Waters, QLD
4216

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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