Thinking about refinancing your loan?

Mortgage Service & Advice - Re-financers / Renovators

There are many reasons to re-finance. Here are just a few.
  • To renovate or extend your home.
  • To change to a fixed rate loan or to reduce your monthly payments.
  • To consolidate credit cards, personal loans or other debts.
  • To reduce your interest rate and loan repayments.
  • To unlock the equity in your home to free up some capital for investments or other personal uses.
  • Renovate your current home

It makes good financial sense to review your home loan from time to time (ideally at least every year) to check that it’s still meeting your needs – and still has a competitive interest rate.

While refinancing can deliver significant benefits, you need to be aware that there are likely to be some upfront costs to budget for.

These costs may include:
  • exit fees from your existing home loan
  • establishment fees
  • application fees
  • settlement fees
  • settlement fees
  • Government mortgage transfer costs.
We’ll examine your existing loan to check which, if any, costs will apply if you re-finance.

We’ll provide you with easy-to-understand facts and figures to ensure that when you move to your new lender, you’re totally happy with your decision.

Is this like your story?

Re-financer - Jen
Jen is 32 years old, and married to a 33 years old. She has a 3 year old child and they are planning number 2.

Jen works as a Personal assistant in corporate world, earning $35,000 from her 3 days a week in the city. Her hausband earns $95,000 in his role as a Commercial plumber.

They bought their first home 7 years ago, and are still happily living there. It is exactly big enough for a family of four.

Finanically they didn't plan well when Jen was pregnant with their first child, and she had to return to work much earlier than they wanted because they needed her income to pay the home loan repayments. This time around Jen wants to set themselves up by structuring their home load to avoid repeating this financial stress. She want a mortgage broker who can advise them what strategies and steps they can take now to prepare both for maternity leave and post-baby. Jen is ready to stop the long commute and would love to work locally for a lower income.

Next Steps

Ready to make the switch?

The process of refinancing a mortgage is similar to the process of obtaining your original mortgage.

When you apply for a new loan, the lender will want to know about your income, your financial commitments and your credit rating.

We’re here to help you complete all the necessary paperwork, ensuring the process is as seamless as possible.

Read about one of my success stories

Ready to get started?

Contact us to request an obligation-free mortgage advice session.