Why refinance?
There are many reasons why people choose to refinance. Lenders rarely reward customers for being loyal, so it’s a good idea to regularly check to see if there is a better-suited loan for you. Some benefits can include:
Get in touchRefinance home loans | commercial | SMSF
Refinance to invest, renovate, consolidate debt, or get a cheaper rate
Refinance for cheaper home loan rates. Let me find you a better deal; I'll check the market for you every two years.
Draw equity to invest in property. Cash out your deposit and stamp duty.
Cash out for non-structural renovations.
Consolidate debt into your home loan (even ATO debt).
Refinance to reduce your monthly repayments.
Team Members:
I am your ONLY point of contact through the whole process.
Anshu will make sure your lender application is lodged perfectly to minimise the back-and-forth.
Office: we are based in Milperra, Sydney, however we MAINLY work via telephone and zoom Australia wide.
So why would I do all this for free?
Truthfully - we get results, so our services are in high demand. The initial chat is to learn your scenario and see if we're a good fit.
What does a 20 minute SMSF telephone appointment look like?
I'll call you at your appointed time.
We'll run through your scenario and map out the lending and application process.
We'll go through lenders, cash-backs, interest rates, fees and borrowing capacity.
I'll then explain what documents we'll need to get started. I can talk directly to your accountant if you'd prefer.
What Our Clients Say
See Matthew's 80 glowing 5 star Google reviews for exceptional service.
"Matthew made the entire refinance process easy to understand. His professionalism and knowledge were invaluable!" – Christian Peters
How to book an appointment with Matthew?
Click the "request a call-back" button and opt for a telephone or video call.
Matthew is available 7am to 7pm.
You are never charged a brokerage fee.Book a telephone appointment and let's get started!
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Get down with low rates
Interest rates regularly change. Is yours still competitive? If you have a variable rate, or your fixed-rate is due to expire, you may be able to negotiate a lower rate with your lender, or find one that will.
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More bells, better whistles
Not all home loans are packaged equal. They offer different features and functionalities. Switching to a loan that allows more regular or extra repayments, an offset account or redraw facility can help you pay less over the life of the loan. Or, if you aren’t using features with your existing loan, switching to a more basic loan could save you in fees.
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Debt consolidation
If you have multiple debts, such as a personal loan, car loan or credit card, you may be able to roll them into your home loan. This consolidates your debt to one repayment and could save you in interest. We will consider the whole picture including fees and repayments to determine if debt consolidation is right for you.
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Free up money for your projects
Whether you’re planning a renovation, need to upgrade your car or have another project in mind, if you have grown equity in your home, you may be able to refinance to access more money to fund it.
Fixed-rate expiring
If your fixed-rate term is due to expire in the upcoming months, it is a good idea to find out your options. Often, when a fixed-rate expires, you will be automatically transferred to the lender’s variable loan, which may not be competitive or suit your needs.
Your equity has grown
If you have been making your home loan repayments, it is likely the equity you own of your home has increased. If this is the case, lenders may be willing to offer you a lower interest rate.
Your credit score has improved
If your credit score has changed for the better since you took out your home loan, it is possible you could be eligible for a lower interest rate. It is always worth asking the question.
How to refinance.
The thing is, refinancing can be made simple with a broker. Here’s what the process looks like.
Get in touch-
Check in
We’ll take the time to understand your circumstances and goals and review your current mortgage, including any exit fees or additional costs.
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Your shortlist
Next, we compare your loan with others offered by over 60 lenders to see if you could be better off somewhere else. You will receive a shortlist of our recommendations, which may include renegotiating with your current lender.
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Take action
When you’ve made an educated decision, it’s go time. We do the legwork for you from application to settlement. We then regularly check in to make sure your loan is still working hard for you.
How much could I save by switching loans?
Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.
7 ways to save big on your home loan.
Download our free guide to become a mortgage maven and save money over the life of your loan.
Refinancing. It's not a dirty word.
Download your Ultimate Refinance Guide.
Ask us a question.
We're here to help.