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Owner occupied deals From 5.99% p.a. Comparison Rate* 6.01% p.a.
* The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.


Why should I refinance?

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You could save thousands of dollars. The home loan rates you originally signed up for may be higher than what’s currently available and you have probably built up some additional equity that will give you access to more options. We suggest a quick interest rate and home product check to see where you are placed and if we think you can do better we will find you the right option.

What's involved in refinancing?

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We do it pretty much all for you! It begins with an assessment of your financial situation, a review of your current loan, a valuation of your existing property and the submission of some forms. Just like a home loan application, we manage the whole process from start to finish, keeping you informed along the way.

How much does refinancing cost?

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This varies depending on the lender and the type of loan you have but it is reasonable to expect a charge of approximately $700. This covers settlement and registration fees while application and valuation fees are typically waived by the new lender. Spending a few hundred to save thousands makes “cents” doesn’t it!

I have credit card and personal loan debt. Can I consolidate this into my home loan?

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Yes you may be able to! This is “Debt Consolidation” and is something we can help you with. Some lenders have restrictions on what you can consolidate so we’ll need to find the right solution based on your circumstances. Debt consolidation can be a great way to simplify repayments and potentially benefit from lower interest rates associated with your home loan. Credit card and personal loan interest rates are generally much higher than home loan rates.

What’s the difference between variable and fixed rates?

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A variable rate is where the interest rate on your loan changes, generally in line with market conditions and the index rate set by the Reserve Bank of Australia (RBA). This is beneficial when interest rates are going down or you need flexibility in your home loan.. Fixed rate means the interest rate on your loan is set at the time of signing your home loan application and does not change over the life of your loan. This is beneficial when interest rates are going up as it holds your interest rates at a lower rate or want certainty in repayments.

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