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Could you be getting a better rate?

30 years is a long time to be with the same loan. Switching your loan could get you a better deal. By letting us do the leg work you will save time and could save a lot of money too.

If you’re looking to secure a lower rate, consolidate debt or release the equity you’ve built up in your property, we can help.

Why refinance your loan

Refinance to

Pay off your mortgage faster​

If you’re striving to be mortgage free, there’s a good chance there may be a more appropriate product to meet your needs.

Some mortgage products are designed to motivate borrowers to repay their mortgages quickly, so now is the perfect time to talk to your mortgage broker. A new loan could set you on the road to financial freedom – fast!

Refinance to

Reduce your repayments

Rates and mortgage deals are constantly on the move. To make the most of a competitive mortgage market, you might want to evaluate the loan product you currently have.

For example, you may want to go for a lower variable-rate, or lock into a fixed-rate. Break costs can be expensive though, so you’ll need to check that you’ll come out ahead when all costs are considered.

Refinance to

Consolidate your debts

Consolidating your debts, such as credit cards or personal loans, into your home loan can save you thousands of dollars in interest charges.

Rolling your debts into one monthly or fortnightly repayment can also help make juggling your finances a little easier, while improving your cash flow.

Refinance to

Avoid fees and charges

Some lenders charge a monthly service fee – further adding to your debt.

Competition between lenders has increased and some now waive administration fees, so refinancing your home loan with another provider can be a smart move to help cut your mortgage costs.

You should check with your lender to see if there are applicable break costs before switching loans.

Refinance to

Unlock equity

As you pay off your mortgage you’ll accumulate equity in your home.

As long as you are capable of meeting your loan repayments, refinancing your mortgage can help you tap into the value that you’ve built up, using it for other purposes such as purchasing an investment property.

Refinance to

Peace of mind

Have a mortgage broker health check your exisiting home loan to ensure it’s the right product for you. 

With so many options out there and the market changing so often, we recommend visiting your home loan every two years.

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We're here to help you make exciting decisions.

Our 2 cents

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