A shift in circumstances may mean it is time to revisit your home finances. We recommend a no-cost and obligation-free annual ‘health check’ to review the state of your existing mortgage.
There are many benefits to refinancing.
- Refinance for a better rate.
- A change in personal circumstance may require that you change the structure of your loan to reflect your new conditions.
- Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. The advantage is that you pay a much lower interest rate.
- Borrowing additional funds from the equity in your home for renovations, home improvements or other useful purpose.
As a local, independently owned business we are fully invested in your financial success. We will devote as much time as necessary to understand your needs to deliver a personalised financial solution.
Common questions for those thinking of refinancing.
There are hundreds of different home loans available, so contact us and we can recommend the right loan(s) for you.
Most lenders offer flexible repayment options to suit your pay cycle.
Penalty fees could apply if you’re paying off your current mortgage early, especially if you’re exiting a fixed home loan. But these may be offset by repayment savings when you switch home loans. We will advise which fees will apply in your circumstance.