home loans

Refinance Home Loans

Your current loan may have been the best (or only) choice at the time, but it may no longer be your best option.

It is worth reviewing your financial situation every 12 to 24 months to make sure you have the best available deal.

Ruby Financial Services has an extensive lender panel and a variety of products available to suit your individual needs.

There are many reasons to refinance including:

– debt consolidation
– moving between fixed and variable rates
– accessing loan features
– securing lower interest rates
– accessing equity, and
– investment

As your life and needs change, likewise, finance products are always changing.

Talk to us today about assessing your current situation and what your best finance options are.

Other Home Loans 


Investment Property

First Home Buyers

Let's chat about your finance

If you need a loan for you or your business, get in touch and we can chat it through.


Mindarie, Western Australia, 6030




+61 (0) 438 318 773

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Client reviews

“Gillian has been more than a broker for us – going above and beyond her job description to ensure that she can be the bridge for us to realise our dreams. In times that Anne and I doubted whether we can even build a home, she has always found a way. She helped us find solutions to our visa issues, probationary period restriction, having to go on a month holiday during the time when we need to settle and making sure that we had the lowest interest rate for our loan.”

Anne and Jared

“I have recommended Gillian and Ruby Financial Services to several friends and work colleagues as I am so impressed with her customer care and service. It is a rare thing to find someone so invested in their client’s well-being and for this, I will be forever thankful to Gillian. Without her, my vision of building a dream home for my daughter and I would not have become a reality.”


“As a first home buyer, Gillian was referred to me by my Builders New Homes Consultant who had very high praise of her previous work. It couldn’t have worked out any better for me! From the very start, Gillian was able to put my mind at ease and ensure I was comfortable and understood all of the options and information being presented. What I think really sets Gillian apart is her due-diligence, efficiency and friendly customer service, along with excellent follow-up care after approval was given.”


“Brooke and I found the perfect home for us. It was to be sold by auction which wasn’t far away. I contacted Gillian as she had been recommended to me and simply put, nothing was too difficult. She took care of the entire financial process which played out exactly as she said it would. A great loan was approved with plenty of time and we settled without a hitch. Having Gillian navigate the best finance approval for us removed the stress and let us look forward to our new home.” 

Martin and Brooke