Refinancers can enjoy cashbacks, low rates, low fees and save money. Explore our low-rate home loans and helpful guides for each stage of your refinancing journey.Speak to an expert broker
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There are many reasons that homeowners may choose to refinance. Some of these include: a) Saving on interest rates b) Cash out on equity c) Restructuring d) Bundling e) Consolidating debts
With refinancing, you replace your current mortgage with a new loan — that means a new interest rate, new payment and new terms, all in your favour. If you just want some money and want to use your home’s equity to borrow against, you have come to the right place! We are the experts in providing right refinancing solutions be providing with the great cashback offers, competitive interest rates or fixed rates and 100% Offset products.
Compare the fees and charges below to see if any of these will be applicable when you refinance your loans. Speak to one our expert broker and save money by choosing the right loan and right bank to save refinancing costs.
Fixed rate loan
Discharge (or termination) fee
Paperwork – personal information ID, payslips or group certificates, current home loan statements, record of living expenses, debts liabilities, record of assets and rates notice. These documents will be the starting point and depending on the scenario and lender requirements we will guide you each step of the way.
Cost vs benefit of refinancing – have your considered pros and cons, what type of loan are you willing to go for, would you stay with the lender given better rate, potential costs of refinancing
Reasons for refinancing – Access equity, buying car, renovations, holiday trip, improve flexibility and features, get lower rate, buy another property
Ask any property investment guru and they’ll tell you that the equity held in your property portfolio can be a powerful tool for wealth creation. Used properly, this equity can secure the finance needed to achieve your property investment goals.
Put simply, if your property’s increased in value, the amount of equity held in that property will have gone up too. You can then refinance your mortgage to access that increased equity, which can then be used to stump up the deposit on another property purchase.
To work out how much equity you have in your property, you’ll need to subtract any debt remaining on your mortgage from the property’s overall value. So, if your property’s worth $500,000, and you have $300,000 left on your mortgage, then your equity is $200,000.
But it’s not quite that simple when it comes to accessing that equity through your lender. They’ll send a valuer out to your property, and the figure they come up with may not match up to what you think its actual market value is.
Your property’s equity will increase both as you pay off your mortgage and as the property’s value increases. So, if your $500,000 property increases in value by 10% over 12 months that’s an extra $50,000 in equity. Add to this any deduction to the mortgage gained through repayments, and your equity has significantly increased over the year
Use our How much Can I Borrow Calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.
Use our Repayment Calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.
Use our Extra Repayment Calculator to estimate your monthly extra repayment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.
Use our Mortgage Offset Calculator to estimate your numbers. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.
Use our Stamp Duty Calculator to estimate your stamp duty payable
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Lenders Mortgage Insurance (LMI) is a mandatory insurance policy for mortgages above 80%. If your down payment is less than 20% of the mortgage, you will have to pay for it. But LMI can be waived, or simply not taken. Find out how.
Start web chat or book an appointment to start your mortgage application. See the list of documents or information you’ll need to provide.