Refinancing › How long does refinancing take?

How long does refinancing take?

A straightforward refinance often takes a few weeks from application to settlement, though it varies with the lenders involved, the valuation, and how quickly documents are provided. Having your paperwork ready is the single biggest thing that speeds it up.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

The timeline is rarely the obstacle people fear, and most of the delay sits with documentation and valuations rather than the loan itself. Borrowers who gather payslips, statements and identification up front tend to move through far faster than those who supply them piecemeal.

The key points

Often a few weeks from application to settlement.
Timing depends on the lenders and the valuation.
Having documents ready is the biggest speed up.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.