Refinance Guide
How to Refinance a Dynamoney Loan
Dynamoney offers secured business loans for property owners, using real estate security to deliver better rates than unsecured alternatives. We arrange Dynamoney facilities when clients need faster settlement than banks typically provide while still benefiting from property-backed rates. When you have time for bank processes, transitioning can deliver additional savings.
About Dynamoney
Dynamoney provides secured business loans for property owners, using residential or commercial property as collateral. We recommend Dynamoney when clients need speed combined with secured lending benefits — they settle faster than most banks while offering better rates than unsecured options. For clients who can accommodate bank timelines, traditional lenders may offer further savings.
Typical Rates
10% to 20% p.a. (secured against property)
Typical Terms
6 months to 3 years, monthly repayments
Things to Consider with Dynamoney
- Rates still exceed bank secured lending
- Property is encumbered for business borrowing
- May limit future property refinancing options
- Bank alternatives offer lower rates with same security
- Opportunity cost of property equity utilisation
Your Refinance Options
Bank Commercial Loan
Banks offer property-secured business loans at 6-10% p.a. — potentially halving your interest cost with the same security.
Second Mortgage
If you need to retain your first mortgage, second mortgage options at 8-14% p.a. may still improve on Dynamoney rates.
Asset Finance
If funds are tied to equipment, asset finance secured against the equipment itself can free up property equity.
Business Line of Credit
Property-secured lines of credit at 7-12% p.a. provide flexible access at lower rates than term lending.
Considering Your Dynamoney Options?
Whether you need additional capital or want to explore refinancing, we can help. Get a free assessment of your options.
How to Refinance Dynamoney
Obtain payout figure from Dynamoney
Confirm property values and existing encumbrances
We identify bank and alternative refinance options
Submit to suitable lenders
New lender pays out Dynamoney on settlement
Reduced rate secured against the same property
Frequently Asked Questions
Other Lender Refinance Guides
View all refinance guidesReady to Refinance?
Get a free assessment. We'll review your current facilities and show you what's possible.