REFINANCING

We’ll find the right loan for you …

Thinking it’s time to move on?

If you’ve had your current home loan for a number of years, then it’s likely your needs have changed. In addition, your loan may not have flexible features or add-ons that have since become available.

Refinancing replaces your current mortgage with a new one, adjusting the rate, term, or both – or your lender. You can refinance to allow you to lower your monthly payment, save money on interest over the life of your loan, pay your mortgage off sooner, or draw from your home’s equity if you need cash.

Key areas to think about

Refinancing isn’t just about chasing a better rate…

STATUS UPDATE

What is your current rate? Was it a low rate, but you haven’t checked it in a while? Was it a fixed rate? Do you know when it expired? Have you been told refinancing is too hard? We can help you compare options and remove the unnecessary complications many face when changing lenders.

WHAT FITS BEST?

What type of refinancing are you after? There are many types, so consider each within the context of your unique financial situation. Your goal might be to adopt a shorter loan term, or maybe your focus is to lower monthly payments? Whichever it is, we are here to assist.

SHOP AROUND

Has your Bank called recently to drop your interest rate? Probably not….
We can help you compare options, as you don’t know what you don’t know. We know the right questions to ask, so you can make informed choices.

How we can help

Just a few ways we can support you with refinancing …

CONSOLIDATE DEBT

Refinancing can be an opportunity to consolidate debts such as a personal loan, car loan, or credit card into your mortgage. That way, you only have a single payment making it easier to manage your finances.

UNDERSTAND FEES & CHARGES

There may be upfront and ongoing costs associated with exiting your current home loan and switching to a new one. These may include a settlement fee, loan establishment fee, mortgage registration fee, loan service, and/or exit fees and charges. We’ll help you understand what’s involved so you can make the right decision regarding your refinancing options.

OTHER LENDERS

Let’s face it: unless you do this day in and day out like we do, it’s an enormous task to go through all the potential lenders and get a breakdown in numbers, features, and options. We’re here to do that work for you, so you can focus on other things whilst still getting all the competitive intel you need.