Refinance to a better rate!
Refinance to save on your interest and get $2k cash back on loans over $250k.
REFINANCE TO A LOWER RATE
With rates as low as 5.95%, and Lenders changing promotions monthly we keep track of the best rates. Particularly beneficial to home owners who may have started with LMI, Intro rates or with a big 4 lender.
REFINANCE TO RENOVATE
Thinking about that dream kitchen, bathroom or thinking about adding an additional bedroom? Or purely need to do major repairs to your house. With surplus equity it can be funded by drawing on equity in your propertty at lower interest rate.
REFINANCE FOR AN INVESTMENT PROPERTY
If you have more than 20% equity you may be able to draw on surplus equity for your Investment deposit. With available equity dependent on the valuation, speak to us about how to maximise your situation.
HOME LOAN COMPARISON
Easily compare home loans, sometimes you need more than a low rate. Whether you want multiple offset accounts, or want to avoid an anuual fee. We match your needs to the lowest rates in the market.
HOW TO REFINANCE A HOME LOAN
1) Tell us what you're looking for and we short list for you.
2) Select from our short listed options.
3) We prepare the application, and tell you what supporting info we need.
4) We follow the application through to settlement.
REFINANCE FOR CASH BACK REBATE
With Cash back refinancing rebates from $2,000 on loan sizes from $250,000 a cash back can cover the change over cost and give you a cash boost, for that holiday or upgrade you have been thinking about.
2 Specific scenarios where Refinancing likely lead to a lower rate if you have held your loan for 5 years.
1) If you purchased originally with Lenders Mortgage Insurance, with most lenders charging a premium on the interest rate for LVRs above 80% with value growth through Covid, you likely will be able to get down to the typical advertised rates for Non LMI loans.
2) If you have had the same loan for more than 5 years you may have had enough equity growth to get a discounted loan due to having an an LVR below 60%
Current Hot Offers
$0 application, $299 annual package fee
$0 application or ongoing fees.
$299 application, but no ongoing fees
What is the cost of refinancing a home loan?
Most home loans will have a discharge fee of around $350 (based on the big 4 banks) . Additional to the discharge fee will be government fees of $243 plus where the new has an application or settlement fee. With many lenders not necessarily charging an application fee the minimum refinancing cost becomes $593.
We now own our house thanks to you. We never thought it could be done and your advice and help throughout have made our dreams come true. We can’t thank you enough for all the work you have put in over the last 18 months, Ben. It has been a lot of work for you.
Thank you again!
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