Service & Advice

Refinancers / Renovators

Thinking about refinancing your loan?

There are many reasons to
re-finance.

Here are just a few.
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.
Thinking about refinancing your loan?

Counting the cost

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

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.

These costs may include:

  • exit fees from your existing home loan
  • establishment fees
  • application fees
  • settlement fees
  • Government mortgage transfer costs.
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.

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.

Financially 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.